Finance category

Mortgage, loan, investing, tax, and money calculators.

Short-Term Rental Calculator

STR underwriting is different from long-term rental — revenue depends on ADR × occupancy, and costs scale with turnover volume. This calculator prices it end-to-end.

Average daily rate

Occupancy %

Cleaning fee charged per stay

Average stay (nights)

Platform fee %

Airbnb host 3%

Cleaning cost to owner

Management fee %

STR mgmt 15-25%

Monthly fixed costs

utils, wifi, insurance, subs

Annual gross revenue

$58,966

Net after operating costs

$28,002

before mortgage

Booked nights / year

230

Annual turnovers

RevPAR

$135

revenue per available night

How the math works

Short-term rental underwriting depends on three variables: ADR (daily rate), occupancy, and average stay length. Platform fees, cleaning costs, and management fees eat a meaningful share of gross. Focus on RevPAR (revenue per available night) to benchmark vs local STR competition.

The ADR × occupancy product is your revenue lever. Shorter stays mean more cleanings and more turnover cost but also more booking flexibility. Pro tip: minimum-stay rules (2-3 nights) dramatically reduce cleaning expense without destroying occupancy.

Editorial noteMaintained by EveryCalc - Reviewed June 2026

EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.

Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.

Learn more about our review process on the EveryCalc methodology page.

How this calculator works

What this page estimates

This Short-Term Rental Calculator is built to give a quick, browser-based estimate for short-term rental. STR underwriting is different from long-term rental — revenue depends on ADR × occupancy, and costs scale with turnover volume. This calculator prices it end-to-end. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.

Calculation approach

The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.

Example workflow

For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.

Practical checks

Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
Run a low, base, and high case when the inputs are estimates.
Check the related calculators below when the next decision depends on a different assumption.

How to interpret the short-term rental result

Best use

Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.

Cross-check

Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.

Watch for

Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.

This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.

Before relying on this short-term rental estimate

Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.

Confirm source numbers

Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.

Separate cash flow from total cost

A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.

Run conservative cases

Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.

Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.

How to Use

Enter ADR (average daily rate) from local comps — AirDNA is the standard data source.
Enter expected occupancy. Tourist destinations 60-75%; urban locations 50-65%.
Enter cleaning fee charged to guest and average stay length.
Enter platform fee, cleaning cost to owner, and management fee.
Add monthly fixed costs (utilities, wifi, insurance, subscriptions).

Frequently Asked Questions

How do I estimate ADR for a property?

Use AirDNA's MarketMinder or Rabbu for free estimates. Or manually pull 5-10 comparable STRs in your area and average their nightly rate at your target season. Hosts often publish annual revenue too.

What's a realistic occupancy?

Established listings in tourist destinations run 60-75%. Year-one hosts usually achieve 40-55% while building reviews. Urban markets run 50-65% with more weekday slack. Beware listings that claim 85%+ — rare.

Is 20% management fee worth it?

For remote owners, yes — professional management handles booking, pricing, cleaning coordination, guest issues. Self-manage saves the 20% but is a real part-time job. Semi-automated with a co-host can split the difference at 10-15%.

What about STR regulations?

Many cities now restrict or prohibit STRs. Check permit requirements, occupancy limits, hotel tax obligations, and HOA rules before buying. Regulation risk is the biggest overlooked STR downside.