What is house hacking?

House hacking means renting out part of your primary residence (a room, unit, or accessory dwelling) to offset or eliminate your housing cost. It can reduce or eliminate your mortgage payment.

House Hacking Calculator

Estimate house hacking cash flow from rent offsets.

This tool runs in your browser. None of your data is saved or sold.

Monthly rent ($)

Mortgage payment ($)

Other monthly expenses ($)

Vacancy rate (%)

About This Calculator

House hacking means buying a property, living in one unit, and renting out the others — using rental income to reduce or eliminate your housing cost. This calculator shows your net monthly cash flow accounting for your mortgage, expenses, and rental income after vacancy.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

effective rent = rent × (1 − vacancy); net cash flow = effective rent − mortgage − other expenses