Free STR Cash Flow Calculator

Airbnb Cash Flow Calculator

An Airbnb cash flow calculator shows what actually lands in your bank account each month — after platform fees, cleaning, fixed costs, mortgage and taxes. Enter your numbers below to see your monthly cash flow waterfall and 12-month seasonal projection instantly.

Monthly Cash Flow

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Annual Cash Flow

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Net Margin

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Low-Season CF

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Revenue Inputs peak-season / average numbers

Average Daily Rate (ADR)

avg nightly rate during normal season

Available Nights per Month

nights listed

Peak-Season Occupancy (%)

your best months — e.g. summer

Low-Season Occupancy (%)

your slowest months

Peak Months per Year

how many months run at peak occupancy

Average Bookings per Month

separate guest stays

Platform Fee (%)

Airbnb host fee ~14–16%

Cleaning Cost per Booking ($)

per guest turnover

Occupancy / Tourist Tax (%)

if applicable in your jurisdiction

Income Tax Rate (%)

marginal rate on net cash flow

Fixed Costs & Debt Service monthly obligations regardless of bookings

Rent / Mortgage

$19,800/yr

Utilities

$1,440/yr

Internet

$600/yr

Insurance

$1,440/yr

Property Tax (monthly)

$3,000/yr

Maintenance Reserve

$1,200/yr

Total Fixed / Month

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Cash Flow Waterfall avg month at normal occupancy

Gross Revenue

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− Platform Fee

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− Cleaning Costs

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− Occupancy / Tourist Tax

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Net Operating Income

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− Fixed Costs (incl. mortgage / rent)

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Pre-Tax Cash Flow

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− Income Tax

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Monthly Cash Flow (After Tax)

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12-Month Cash Flow Projection peak vs low season modeled automatically

Month	Occupancy	Revenue	Costs	Cash Flow
Annual Total	—	—	—	—

Understanding Airbnb Cash Flow

Profit vs cash flow — what's the difference

For Airbnb hosts without a mortgage, profit and cash flow are the same thing. For leveraged investors, they are different — and confusing the two is one of the most common mistakes in STR analysis.

Net Operating Income (NOI) is your gross revenue minus all operating costs — platform fees, cleaning, utilities, insurance, maintenance. It deliberately excludes mortgage payments. It measures the property's operating efficiency independent of how it's financed.

Cash flow is NOI minus debt service (mortgage or rent). It is what actually hits your bank account. A property with strong NOI can still produce negative cash flow if the mortgage is too high — which is why both numbers matter.

The waterfall above shows every step from gross revenue to real after-tax cash flow. The 12-month projection below applies your peak and low-season occupancy estimates so you can see whether slow months still cover fixed costs — before you commit to anything.

Cash Flow Formula

The formula this calculator uses

Airbnb Cash Flow Formula

Gross Revenue = ADR × (Available Nights × Occupancy%)

Net Operating Income = Gross Revenue − Platform Fee − Cleaning − Occupancy Tax

Pre-Tax Cash Flow = NOI − All Fixed Costs (incl. mortgage / rent)

Monthly Cash Flow = Pre-Tax Cash Flow × (1 − Income Tax%)

Annual Cash Flow = Monthly Cash Flow × 12 (weighted for seasonality)

FAQ

Common questions about Airbnb cash flow

What is a good monthly cash flow for an Airbnb?

A good monthly cash flow for an Airbnb is generally $500 or more after all costs including mortgage, taxes, and operating expenses. Cash flow below $300/month is considered marginal and leaves almost no buffer for vacancies or unexpected repairs. Properties generating $800–$1,500/month in after-tax cash flow are considered strong performers.

How do I calculate Airbnb cash flow?

Airbnb cash flow = Gross Revenue − Platform Fee − Cleaning Costs − Occupancy Tax − Fixed Monthly Costs (incl. mortgage) − Income Tax. Gross Revenue = ADR × Occupied Nights. Platform fee is typically 14–16% of gross. Cleaning is charged per booking. Fixed costs include utilities, insurance, property tax, and maintenance.

What is the difference between Airbnb profit and cash flow?

For leveraged investors, Airbnb profit (net operating income) excludes mortgage payments while cash flow includes them. If you own a property outright, profit and cash flow are identical. If you have a mortgage, cash flow is lower than profit by your monthly debt service amount. Cash flow is the number that reflects your actual bank account position each month.

How does seasonality affect Airbnb cash flow?

Seasonality can cause occupancy to swing 20–40 percentage points between peak and off-peak months. A property with 75% average occupancy might run at 90% in summer and 50% in winter. The calculator above models this with separate peak and low-season occupancy rates so you can see whether your slow months still generate positive cash flow — or whether you're subsidising them from peak-month earnings.

What expenses reduce Airbnb cash flow?

The main expenses that reduce Airbnb cash flow are: (1) platform fee, typically 14–16% of gross; (2) cleaning cost per booking; (3) fixed costs — rent/mortgage, utilities, internet, insurance, property tax, maintenance reserve; (4) occupancy or tourist tax if applicable; and (5) income tax on net profit. Missing any of these leads to a significant overestimate of real cash flow.

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Airbnb Cash Flow Calculator

Profit vs cash flow — what's the difference

The formula this calculator uses

Common questions about Airbnb cash flow

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