Calculator Documentation
Short-Term Rental Analyzer
Analyze Airbnb/VRBO revenue, expenses, cash flow, and returns
Schema version 1.0.0 · Category: investment
Inputs
Property & Financing
Purchase and loan details
| Field | Type | Default | Notes |
|---|---|---|---|
| Purchase Price | currency | $400,000 | Price of the property |
| Down Payment | percentage | 20.00% | Investor loans typically require 20-25% down |
| Interest Rate | percentage | 7.25% | Investment property rate |
| Loan Term | select | 30 | Length of the mortgage |
| Closing Costs | currency | $12,000 | Roughly 3% of price |
| Furnishing & Setup | currency | $25,000 | Furniture, linens, photography, listing setup |
STR Revenue
Nightly rate and occupancy
| Field | Type | Default | Notes |
|---|---|---|---|
| Average Daily Rate (ADR) | currency | $250 | Average nightly rate across the year |
| Occupancy Rate | percentage | 65.00% | Market average is typically 55-70% |
| Platform Fee | percentage | 3.00% | Airbnb/VRBO host service fee |
Operating Expenses
STR-specific operating costs
| Field | Type | Default | Notes |
|---|---|---|---|
| Management Fee | percentage | 25.00% | STR management runs 20-30% of revenue (0 if self-managed) |
| Annual Property Tax | currency | $4,800 | Annual property tax |
| Annual Insurance | currency | $2,400 | STR policies cost more than landlord policies |
| Monthly Utilities | currency | $350 | Hosts pay all utilities including internet |
| Supplies & Turnover | percentage | 5.00% | Consumables, cleaning between guests (net of cleaning fees) |
| CapEx Reserve | percentage | 5.00% | Furniture wears fast in an STR |
Calculations
Every figure this calculator produces, in evaluation order. Formulas reference input ids, parameters, and earlier calculations.
grossAnnualRevenueGross booking revenue
averageDailyRate * 365 * occupancyRate
effectiveRevenueRevenue after platform fees
grossAnnualRevenue * (1 - platformFeePercent)
managementCostAnnual management cost
effectiveRevenue * managementPercent
suppliesCostAnnual supplies and turnover
effectiveRevenue * suppliesPercent
capexCostAnnual capital reserve
effectiveRevenue * capexPercent
totalOperatingExpensesAll annual operating expenses (excludes debt service)
managementCost + suppliesCost + capexCost + annualPropertyTax + annualInsurance + monthlyUtilities * 12
noiNet operating income
effectiveRevenue - totalOperatingExpenses
capRateCap rate
(noi / purchasePrice) * 100
downPaymentDown payment
purchasePrice * downPaymentPercent
loanAmountLoan amount
purchasePrice - downPayment
monthlyRateMonthly rate
interestRate / 12
termMonthsTerm months
loanTerm * 12
monthlyPIMonthly P&I
(loanAmount * monthlyRate * pow(1 + monthlyRate, termMonths)) / (pow(1 + monthlyRate, termMonths) - 1)
annualDebtServiceAnnual debt service
monthlyPI * 12
annualCashFlowAnnual pre-tax cash flow
noi - annualDebtService
monthlyCashFlowMonthly cash flow
annualCashFlow / 12
totalCashInvestedAll cash in the deal
downPayment + closingCosts + furnishingCosts
cashOnCashCash-on-cash return on total cash invested
(annualCashFlow / max(totalCashInvested, 1)) * 100
negativeCashFlowFlag: property loses money (0 = cash flows)
if(annualCashFlow < 0, 1, 0)
revPANRevenue per available night
averageDailyRate * occupancyRate
Put this calculator on your site
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