Interactive calculator
ROI Calculator
Model the annual return on a short-term rental investment including operating costs, financing and the reserve most projections forget.
Cash-on-cash ROI = Annual pre-tax cash flow ÷ Total cash invested
Updated
Your numbers
Cleaning, utilities, supplies, insurance, software
Result
- Cash-on-cash ROI
- 17.2%
- Net operating income
- $34,320
- Annual cash flow
- $16,320
- Payback (years)
- 5.82
A projection without a maintenance reserve and a vacancy assumption is a marketing document. Stress-test with revenue 20% below plan before committing.
Annual cash flow is gross revenue minus operating costs, management, maintenance reserve and debt service. Cash invested includes deposit, closing costs and furnishing.
The failure mode in rental investment modelling is optimism about revenue and silence about cost. Both the reserve and the management line exist even when you do the work yourself — your time is a cost the model should carry.
Questions operators ask
- Should I include my own labour if I self-manage?
- Yes. Use the management fee field at the market rate. If the deal only works because you work for free, it does not work.
Related models
Revenue Projection Calculator
Project annual revenue from rate, occupancy and seasonality — then see what a modest rate or occupancy change is actually worth.
Break-even Calculator
How many nights must you sell before the unit pays for itself? The number every operator should know before adding inventory.
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