Short-Term Rental (Airbnb) Calculator

Key Takeaways

• Short-Term Rental (Airbnb) Calculator estimates net operating income (annual) of $21,585 and noi per month of $1,799 for this scenario.
• At $125 a night and 85% occupancy, the property books about 310 nights across roughly 103 stays a year. Nightly revenue contributes $38,781 and cleaning fees add $10,342, for gross booking revenue of $49,123 — a RevPAR of $106 per available night.
• About 25.0% occupancy covers the operating costs at this nightly rate — roughly 91 booked nights a year. Note what that break-even excludes: the mortgage payment. Debt service needs a separate check, which is what DSCR and cash-flow calculators are for.

Calculation Output

Result Chart

Key Facts

How This Estimate Works

• At $125 a night and 85% occupancy, the property books about 310 nights across roughly 103 stays a year. Nightly revenue contributes $38,781 and cleaning fees add $10,342, for gross booking revenue of $49,123 — a RevPAR of $106 per available night.
• Expenses are where STR underwriting usually goes wrong. Here they total $27,537: platform fees $1,474, turnover cleaning $9,308, management $7,756, and fixed taxes, insurance, utilities, and HOA of $9,000. That leaves NOI of $21,585 a year, or $1,799 a month, before any mortgage payment.
• On a $400,000 purchase price that is a 5.40% cap rate — between 4% and 6% — workable, but not obviously better than a long-term rental on the same property once you count your time and the vacancy risk. The definition matches a long-term rental's cap rate exactly (NOI before debt service), so the two uses of the same property can be compared head-to-head; what differs is the work, the variance, and how much of the revenue survives a slow season.
• 85% occupancy is an aggressive, near-saturation assumption — near year-round occupancy that few listings sustain; the numbers below should be read as a best case, not a baseline. The occupancy ladder makes the sensitivity concrete at this nightly rate — annual NOI by occupancy: 55% → $10,791; 65% → $14,389; 75% → $17,987; 85% → $21,585. A $125 rate is only as good as the occupancy behind it, and this ladder shows how fast the answer moves when the calendar fills or empties.
• Every 10 points of occupancy is worth about $3,598 of NOI a year at this nightly rate — so the gap between a 55% year and a 65% year is roughly $3,598, before any rate changes.
• The cleaning line is nearly a wash in this scenario: $10,342 collected against $9,308 of cleaning cost, a spread of about $1,034 a year. Hosts who price the fee below their true turnover cost quietly donate the difference on every stay.
• Break-even occupancy is 25.0% — below the 85% assumed here, leaving 60.0% of cushion before operations stop covering themselves. Note what break-even excludes: the mortgage payment. Debt service needs a separate check, which is what DSCR and cash-flow calculators are for.
• One warning the annual average hides: short-term demand is seasonal almost everywhere. A property that averages these numbers might run 20 points higher in peak months and 20 points lower in the trough, and the mortgage, taxes, and insurance arrive in the trough too. Underwrite the slow months honestly, treat the peak as upside, and sanity-check your occupancy against the market rather than your hopes.

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