House Hacking Calculator — Do your tenants pay your mortgage? House hacking means buying a home, living in one unit or room, and renting the rest - so the rent covers most of your payment. This calculator shows your real cost to live now, and the cash flow when you move out and rent it all.

What's inside

• Dashboard: your effective housing cost after tenant rent, your monthly savings versus renting, and - once you move out - the monthly cash flow and cash-on-cash return, with charts

• Property & Loan: purchase price, down payment (FHA at 3.5% works), rate, and the full monthly payment including taxes, insurance and mortgage insurance

• Income and Expenses: a rent roll that works for units OR rooms - set what each space earns while you live there and after you leave - plus vacancy and operating expenses

• Move Out: the investment view - cash flow, cash-on-cash, break-even rent and rent-to-payment ratio, with an editable management rate

• How to Use: the strategy, owner-occupied financing, and the pitfalls to avoid

Who it's for First-time house hackers, duplex and triplex buyers, rent-by-room owners, and new real estate investors who want the numbers before they make an offer.

How it's delivered Instant access after checkout to a private download page — your files are yours for life.

— Part of the Growtoria toolkit.