Finance category
Mortgage, loan, investing, tax, and money calculators.
Airbnb Cash Flow Calculator
A complete Airbnb P&L: gross bookings, platform fees, occupancy tax, cleaning, management, utilities, insurance, subscriptions, and mortgage. This calculator produces NOI and net cash flow after every line.
Annual net cash flow
$9,110
Monthly cash flow
$759
NOI
$37,610
before mortgage
Total operating expenses
$34,390
NOI margin
52.24%
How the math works
STR operating cost runs 35–55% of gross revenue — much higher than LTR (15–25%). Platform fees, cleaning, utilities, management, and supplies all scale with revenue. Mortgage is the biggest fixed line.
Self-manage to cut 15-25% management fee. Direct-book (via your own website) to cut 3% platform fee on repeat guests. Both compound to improve cash flow significantly on mature listings.
How to Use
- Enter annual gross bookings from your revenue projection.
- Enter platform fee %, occupancy tax, and cleaning cost.
- Enter supplies, utilities, management, and insurance.
- Include subscriptions (wifi, Netflix, pricing tools) and mortgage PITIA.
Frequently Asked Questions
Why is STR opex higher than LTR?
Every guest turnover adds cleaning and supplies cost. Utilities are landlord-paid. Management fees are 2-3× long-term rates because of daily operational touch. Net margin of 25-35% is strong; 40%+ is excellent.
Where should I cut costs first?
Self-manage or co-host to reduce management fee. Bundle utilities with a base allowance for long stays. Price supplies and cleaning per-turnover against a benchmark. Subscriptions add up — audit annually.
Should I include vacancy?
Gross bookings already reflect actual bookings, so no separate vacancy line. But do include 'other revenue' items: extra-guest fees, pet fees, late checkout fees — these can add 3-6% to gross.
Related Calculators
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring
Next steps in Finance
Previous calculator
After-Repair Value per Square Foot Calculator
Build ARV using PSF-based comp averages with low/mid/high estimates and a dollar adjustment for condition or amenities.
Next calculator
Airbnb Income Calculator
Project Airbnb gross income from ADR, occupancy, seasonality, and length of stay with platform fee deductions.