House hacking calculator spreadsheet that shows you exactly what you’ll pay to live in your own property after tenant rent covers the mortgage. Model duplex, triplex, fourplex, or rent-by-the-room deals side by side in minutes instead of guessing. Delivered as a Google Sheets and Excel spreadsheet that auto-calculates the moment you type your numbers, with no add-ons or plugins to install.

WHO IT’S FOR

• First-time buyers researching FHA house hacking with 3.5 percent down
• New real estate investors comparing duplex and multifamily deals
• Renters who want to buy a home and live for free
• Rent-by-the-room landlords underwriting student or roommate rentals

WHAT YOU GET

• Auto-calculating house hacking analyzer with cash flow, cash-on-cash return, and effective monthly housing cost
• Mortgage payment calculator covering PITI, PMI, HOA, and closing costs
• Rental income tracker for up to six units or rooms, with vacancy and repair reserves
• Deal comparison tab that ranks multiple properties side by side
• Move-out scenario view showing cash flow once you rent your unit and leave

HOW IT WORKS

1. Make a copy in Google Sheets or open the Excel file.
2. Enter purchase price, down payment, loan terms, rent, and operating expenses.

WHY GROWTORIA
Built by operators and human-tested; message us and we reply within 48h.

POLICY
Instant digital download, no physical item. Sales are final once delivered. A faulty file? We fix or replace it. Buy once, no subscription.