Airbnb & Short-Term Rental Profitability

Analyze cash flow, ROI, and break-even occupancy for your short-term rental investment

🏠 Property & Financing

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💰 Revenue

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📈 Monthly Expenses

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📅 Management & Fees

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Monthly Cash Flow

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Gross Revenue $0
Mortgage Payment $0
Operating Expenses $0
Cleaning Costs $0
Platform Fees $0
Management Fees $0
Annual Net Income $0
Cap Rate 0%
Cash-on-Cash Return 0%
Break-Even Occupancy 0%
Revenue / Available Night $0
Total Cash Invested $0

Monthly Expense Breakdown

Compare three occupancy/rate scenarios side by side to stress-test your investment.

Low Season

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Mid Season

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Peak Season

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Scenario Comparison

Project 5-year cumulative cash flow and equity growth with appreciation.

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5-Year Projection

Year-by-Year Breakdown

Year Property Value Annual Revenue Annual Expenses Net Cash Flow Cumulative CF Equity

How to Use This Calculator

1

Enter Property Details

Input the purchase price, down payment percentage, interest rate, and loan term for your target property.

2

Set Revenue Assumptions

Enter your expected nightly rate, occupancy rate, cleaning fee per turnover, and average guest stay length.

3

Add Monthly Expenses

Include property tax, insurance, HOA, utilities, maintenance, and supplies to get an accurate cost picture.

4

Configure Fees

Set management fee percentage (0% if self-managed) and platform fee (3% default for Airbnb host-only fees).

5

Analyze Results

Review cash flow, cap rate, and cash-on-cash return. Use Scenario Analysis and the 5-year Projector for deeper insights.

Frequently Asked Questions

What is a good occupancy rate for an Airbnb?

Average Airbnb occupancy ranges from 50-75% depending on location and season. Above 65% is generally considered good for most markets. Urban properties near attractions or business centers tend to have higher occupancy, while rural or seasonal vacation rentals may average 40-55% annually.

How is cash-on-cash return calculated for short-term rentals?

Cash-on-cash return equals your annual net cash flow divided by total cash invested (down payment plus closing costs and furnishing). For example, if you invested $100,000 total and net $12,000 annually, your cash-on-cash return is 12%. Most investors target 8-12% for short-term rentals.

What is break-even occupancy and why does it matter?

Break-even occupancy is the minimum occupancy rate at which your revenue covers all expenses including the mortgage. A break-even below 50% means the property is resilient to seasonal dips and market downturns. Above 70% is risky since even moderate vacancy could cause negative cash flow.

Should I include cleaning fees in my revenue calculation?

Cleaning fees charged to guests typically offset your cleaning costs and are considered pass-through. This calculator treats cleaning as a cost only. If your cleaning fee exceeds your actual cleaning cost, the surplus effectively adds to your nightly rate revenue.

How does Airbnb profitability compare to long-term renting?

Short-term rentals can generate 2-3x the gross revenue of long-term rentals in high-demand markets, but operating costs are significantly higher. Factor in cleaning, furnishing, higher utilities, platform fees, and more active management. Net profitability depends heavily on your occupancy rate and local regulations.

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