Airbnb & Short-Term Rental Calculator

How to use this calculator

Enter your average nightly rate and expected occupancy, then the purchase price, loan terms, and furnishing budget. Add your operating costs — management, maintenance, utilities, tax, and insurance. The calculator projects annual revenue, net operating income, cash flow, cap rate, and cash-on-cash return, and shows how cash flow shifts as occupancy moves.

What the metrics mean

• Occupancy — the share of available nights actually booked; the single biggest driver of STR revenue.
• Net operating income (NOI) — revenue minus operating expenses, before the mortgage payment.
• Cap rate — NOI divided by purchase price — return independent of financing.
• Cash-on-cash return — annual cash flow divided by cash invested (down payment plus furnishing).
• Cash flow — what is left each month after operating expenses and the mortgage.

Frequently asked questions

How do you calculate Airbnb revenue?

Annual short-term rental revenue is the average nightly rate multiplied by 365 nights and your occupancy rate. For example, $185 a night at 65% occupancy is about $43,900 a year before expenses.

What is a good occupancy rate for a short-term rental?

It varies by market and seasonality, but many stabilized listings run 55–75% occupancy. This calculator lets you stress-test cash flow from 50% up to 80% so you can see how sensitive the deal is.

What expenses should I include for an Airbnb?

Beyond the mortgage, plan for property management (often 18–25% of revenue for full service), cleaning and supplies, utilities and internet, property tax, insurance (short-term rental policies cost more), and any HOA dues.

Does this account for furnishing costs?

Yes. Furnishing and setup is added to your down payment as cash invested, so the cash-on-cash return reflects the real out-of-pocket cost of getting a short-term rental live.

Running short-term rental numbers all day? dre1mery.com underwrites every STR lead the moment it lands and ranks it against your buy box.