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Airbnb Calculator and Deal Analyzer

Calculate cash flow after expenses and financing, cash-on-cash return, cap rate, and break-even occupancy for an Airbnb or Vrbo property you plan to buy. It is free and needs no signup.

Check the inputs

Verify these five inputs before underwriting a BNB deal. The calculator has no market data of its own.

  1. 1

    Market revenue

    Nightly rate, occupancy, seasonality, and average stay length

  2. 2

    Operating costs

    Cleaning, supplies, utilities, insurance, maintenance, and management

  3. 3

    Cash required

    Down payment, closing costs, furnishing, repairs, and reserves

  4. 4

    Financing

    Payment, rate, taxes, insurance escrow, and lender DSCR constraints

  5. 5

    Risk controls

    Break-even occupancy, local regulations, HOA rules, and a slow-season cushion

Signs a deal is too thin

Lower the occupancy and nightly rate, then raise costs a little. If one small change turns cash flow negative, renegotiate or walk away. Watch for:

  • The deal needs above-market occupancy to keep cash flow positive.
  • Cleaning or management costs are below what local cleaners and managers charge.
  • There is no maintenance reserve or slow-season cushion.
  • Local STR rules or HOA restrictions are still unclear.

Related guides

Frequently asked questions

What is cash-on-cash return?
Cash-on-cash return is the return on your actual cash invested, calculated as annual cash flow divided by total cash invested. It measures how hard your invested cash is working after down payment, closing costs, and setup costs.
What is break-even occupancy?
Break-even occupancy is the minimum occupancy rate needed to cover expenses and reach zero cash flow. A lower break-even percentage gives an STR deal more cushion against slow seasons or weaker-than-expected bookings.
What is cap rate?
Cap rate is net operating income divided by purchase price. It measures the property's unlevered return and helps compare short-term rental properties before financing choices affect the result.
What expenses should I include in STR analysis?
Include platform fees, cleaning costs, insurance, property tax, utilities, maintenance reserve, property management fees if applicable, and mortgage payments if financed.

For informational purposes only. Not financial advice. See full disclaimer