Airbnb Profitability Calculator

Estimate Airbnb income from nightly rate and occupancy. See expenses and break-even occupancy rate.

By Konstantin Iakovlev · Updated April 2026 · Source: CFPB — Owning a Home

$
%
$
%

Gross Annual Income

$43,450.00

Net Annual Income

$23,225.25

Average Monthly Income

$1,935.44

Airbnb Income Analysis

Booked Nights (237 nights)$43,450.00
Estimated Bookings79
Platform Fee (Airbnb)-$6,734.75
Property Management-$8,690.00
Supplies-$600.00
Utilities-$2,400.00
Insurance-$1,800.00
Total Expenses$20,224.75
Net Annual Income$23,225.25

Break-even occupancy: 11.2%. You need at least this occupancy rate to cover all expenses.

Use the Airbnb Profitability Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Running the numbers on a short-term rental before you buy keeps a promising-looking property from becoming a money pit. Punch in the nightly rate and how full you expect the calendar to stay, and you get a picture of projected income against the costs of operating the listing through 2026, when travel demand and the appetite for distinctive stays remain hard to pin down.

Gross revenue comes from the nightly rate paired with your projected occupancy. From that, the model subtracts fixed and variable costs, such as the mortgage, utilities, cleaning fees, and platform commissions averaging 3%, to arrive at net profit. The break-even occupancy rate falls out of dividing total annual expenses by the average daily rate, telling you how full the place must stay just to cover its bills.

Build every cost into the estimate, including maintenance, insurance, and the nights that simply go unbooked. Cleaning and supplies are the line items hosts most often shortchange, and underpricing them quietly eats into the bottom line. Leaning toward a conservative occupancy figure leaves you room to be pleasantly surprised rather than caught short.

Example: Sunny Beachfront Condo in Miami

  1. 1 Input a nightly rate of $300, an average monthly occupancy rate of 70%, and monthly fixed costs (mortgage, insurance, utilities) of $2,500. Add variable costs per booking (cleaning fee $80, supplies $20).
  2. 2 The calculator multiplies the nightly rate by occupied nights (70% of 30 days = 21 nights) to get a monthly gross revenue of $6,300. It then subtracts $2,500 in fixed costs and (21 bookings * $100 variable cost) = $2,100 in variable costs, plus a 3% platform fee on gross revenue ($189).
  3. 3 This results in a monthly net profit of $1,511. The estimated break-even occupancy rate for this property would be approximately 43% for 2026.
  4. 4 This profit allows for reinvestment in property upgrades or acts as a supplementary income stream. If the occupancy rate drops below 43%, the property would operate at a loss, highlighting the importance of effective marketing and guest satisfaction.

Source: CFPB — Owning a Home · Last updated: April 2026

Frequently Asked Questions

How much can I make on Airbnb?
Airbnb income depends on location, property type, and occupancy. A 1-bedroom in a popular market can gross $2,000-$4,000/month at 60-70% occupancy. After Airbnb fees (3%), cleaning, supplies, and utilities, net income is typically 50-70% of gross.
What occupancy rate do I need for Airbnb to be profitable?
Most Airbnb properties need 40-55% occupancy to break even on total costs. At 65-75% occupancy, most properties become meaningfully profitable. Seasonal markets may see 90%+ in peak months and 20% in the off-season.
How much does Airbnb charge hosts?
Airbnb charges hosts a 3% service fee per booking under the split-fee model. Under the host-only pricing model (required in some markets), the fee is 14-16% and is built into the guest price.

You might also need

Mortgage Calculator 2026 — Payment, Amortization & PMI

Calculate your monthly mortgage payment with taxes, insurance, PMI, and HOA. View full amortization schedule. Free, instant results based on current rates.

FHA Loan Calculator 2026 — MIP, Down Payment & Limits

Calculate FHA loan payments including upfront MIP (1.75%) and annual MIP premiums. See when MIP drops off. Free, instant results based on 2026 FHA limits.

Home Affordability Calculator — How Much House Can You Afford?

Find out how much house you can afford based on income, debts, down payment, and current mortgage rates. Free, instant results with DTI ratio breakdown.