A short-term rental calculator projects the cash return on an Airbnb or VRBO by turning nightly rate and occupancy into annual income, then subtracting management, expenses, and debt service. Enter your numbers to see cash-on-cash return, annual net cash flow, and the break-even occupancy you need to stay in the black.
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A $185 average nightly rate at 62% occupancy produces about $41,866 in annual gross revenue. After management, operating expenses, and debt service, the example still runs negative, which means the break-even occupancy matters more than the headline nightly rate.
Revenue
$41.9k
Net cash flow
-$10.7k
Break-even
81.3%
No account. No signup. No credit card, ever.
It turns nightly rate and occupancy into annual gross revenue, then subtracts management, operating expenses, and debt service to show annual net cash flow, cash-on-cash return, and break-even occupancy.
Use market data from comparable finished rentals, then stress-test a lower case. Many deals fail because investors underwrite peak-season occupancy across the full year.
Yes. Setup, furnishing, rehab, closing costs, and reserves are part of the cash you have at risk, so they affect cash-on-cash return even when monthly cash flow looks positive.