Short-Term Rental Calculator
Calculate Airbnb and VRBO income, cash-on-cash return, and true ROI — including seasonal models and regulatory costs.
Monthly net income and cash-on-cash return at different occupancy levels at $175/night.
| Occupancy | Gross Revenue/yr | Net Revenue/yr | Monthly Cash Flow | Cash-on-Cash |
|---|---|---|---|---|
| 40% | $31,390 | $25,338 | -$251 | -4.0% |
| 55% | $43,161 | $34,840 | $540 | 8.6% |
| 70% | $54,933 | $44,342 | $1,332 | 21.3% |
| 85% | $66,704 | $53,844 | $2,124 | 34.0% |
Model revenue across high, medium, and low seasons with different rates and occupancy.
How to Use the Short-Term Rental Calculator
This calculator analyzes Airbnb and VRBO rental income from a property you own or are considering buying. It goes beyond simple revenue estimates to show true profitability after all costs.
Quick Calculator
Enter your Property Value, Down Payment %, Interest Rate, Nightly Rate, Occupancy Rate, Cleaning Fee, Management Fee %, and Monthly Expenses. The calculator shows monthly net income, annual cash flow, and cash-on-cash return — the three numbers that matter most for STR investors.
Advanced — STR Analysis
Occupancy Scenarios shows cash flow at 40%, 55%, 70%, and 85% occupancy. Expense Breakdown itemizes all costs with a visual chart. vs Long-Term Rental lets you compare STR income against a traditional lease at your estimated market rent.
Pro — Professional Model
The Seasonal Model lets you define high/medium/low seasons with different rates and occupancy. Regulatory Costs adds hotel tax and permit costs to see the true regulatory burden. Full 5-Year ROI combines cumulative cash flow with property appreciation for total return on invested capital.
Key Formulas
Net Revenue = Gross Revenue × (1 − Platform Fee % − Management Fee %)
Monthly Net Income = (Net Revenue / 12) − Mortgage − Monthly Expenses
Cash-on-Cash Return = Annual Net Income / (Down Payment + Closing Costs) × 100
Booked Nights = 365 × Occupancy Rate
Worked Example: Lakefront Cabin in Tennessee
David's STR Investment Analysis
David is evaluating a $350,000 lakefront cabin in the Smoky Mountains with 20% down at 7%.
| Property Value | $350,000 |
| Down Payment (20%) | $70,000 |
| Mortgage Payment | $1,863/mo |
| Nightly Rate | $195 |
| Occupancy Rate | 65% |
| Booked Nights | 237/yr |
| Gross Revenue | $49,556/yr |
| Platform + Mgmt (23%) | $11,398/yr |
| Net Revenue | $38,158/yr |
| Monthly Expenses | $600/mo |
| Monthly Net Income | +$317/mo |
| Cash-on-Cash Return | 5.4% |
David earns a modest positive cash flow with a 5.4% cash-on-cash return. With 4% annual appreciation, his 5-year total ROI including equity buildup climbs to over 35%.