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Vacation Rental ROI Calculator

Vacation Rental ROI Calculator

Investment Information

Purchase Price ($)
Down Payment (%)
Closing Costs (%)
Furniture Package ($)
Mortgage Amount ($)
400,000.00
Total Initial Investment ($)
140,000.00

Loan Information

Interest Rate (%)
Loan Term (years)
Monthly Mortgage Payment ($)
2,797.76

Monthly Operating Expenses

Property Taxes (Monthly) ($)
Property Insurance (Monthly) ($)
HOA Dues (Monthly) ($)
Utilities (Monthly) ($)
Yard Maintenance (Monthly) ($)
Pool Maintenance (Monthly) ($)
Miscellaneous (Monthly) ($)
Total Monthly Operating Expenses ($)
1,950.00

Management & Commission

Property Management Fee (%)
Rental Commission (%)
Total Management Costs (Monthly) ($)
0.00

Income Projections

Weeks Rented Per Year
Average Nightly Rate ($)
Personal Use Savings (Annual) ($)
Gross Annual Rental Income ($)
84,000.00
Total Annual Income (Including Personal Use) ($)
89,000.00

Annual Summary

Total Annual Operating Costs ($)
23,400.00
Annual Mortgage Payments ($)
33,573.12
Annual Management Costs ($)
0.00
Total Annual Expenses ($)
56,973.12
Net Annual Cash Flow ($)
32,026.88
Cash-on-Cash ROI (%)
22.88%
Monthly Cash Flow ($)
2,669.00

Quick Reference

Cash-on-Cash ROI Formula
Annual Cash Flow รท Total Initial Investment ร— 100
Good ROI Benchmarks
8-12% = Good
12-20% = Excellent
20%+ = Outstanding
Key Factors
Occupancy rate is crucial – even 5-10 fewer weeks can significantly impact ROI
Management fees vary widely (10-30%)
Consider seasonal rate variations

Calculate Your Real Vacation Rental Returns in Minutes

Stop relying on Airbnb’s income estimates or optimistic Zillow projections. Our comprehensive ROI calculator factors in ALL the costs other calculators ignore—from management fees and vacancy rates to furniture packages and seasonal fluctuations.

Why Most Investors Get ROI Wrong:

  • They forget about management fees (10-30% of revenue)
  • They overestimate occupancy rates
  • They underestimate operating expenses
  • They ignore seasonal rate variations
  • They forget about personal use savings

What This Calculator Actually Shows You

Unlike basic calculators that only look at gross rental income, our tool calculates:

  • True cash-on-cash ROI with all expenses included
  • Monthly cash flow projections (positive or negative)
  • Total initial investment including closing costs and furnishing
  • Personal use savings when you stay at your own property
  • Management cost breakdown so you know what you’re really paying

ROI Reality Check:

  • 8-12% = Good returns for vacation rentals
  • 12-20% = Excellent performance
  • 20%+ = Outstanding (rare but possible in the right markets)

The Secret to Consistent STR Success

This calculator reveals the truth about any potential deal. But finding properties that actually deliver these returns? That’s where most investors struggle.

🎯 Get Access to Pre-Analyzed Deals: Upgrade to Pro and receive 40+ vacation rental opportunities daily with full ROI analysis, occupancy projections, and market insights already done for you.

Pro members get:

  • Detailed cash flow projections for every property
  • Market-specific occupancy rate data
  • Management fee benchmarks by location
  • Seasonal rate analysis and optimization tips

Ready to Stop Guessing and Start Investing?

Use this calculator to evaluate any property you’re considering. Then let us find you the deals that actually work.

💡 Pro Tip: The best vacation rental markets aren’t always the most obvious ones. Our subscribers consistently find 15%+ ROI deals in markets other investors overlook.

Calculate accurately. Invest confidently. Scale systematically.

August 29, 2025

In STR Calculators