Vacation Rental ROI Calculator
Last updated: November 5, 2026
Estimate cash flow and cash-on-cash return for a vacation rental.
Estimated annual cash flow
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- Cash-on-cash return: —
- Total annual income: —
- Total annual expenses and debt: —
On this page
Quick summary: Estimate cash flow and cash-on-cash return for a vacation rental.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate cash flow and cash-on-cash return for a vacation rental.
How to use it
Enter Annual booking revenue ($); Other annual income ($); Annual operating expenses ($); Annual mortgage debt service ($); Cash invested ($). Select Calculate to update the results.
How the calculation works
Cash flow equals booking and other income minus operating expenses and debt service. Cash-on-cash return divides cash flow by cash invested.
Worked example: starting scenario
| Annual booking revenue ($) | 85000 |
|---|---|
| Other annual income ($) | 5000 |
| Annual operating expenses ($) | 38000 |
| Annual mortgage debt service ($) | 24000 |
| Cash invested ($) | 180000 |
| Estimated annual cash flow | $28,000.00 |
|---|---|
| Cash-on-cash return | 15.56% |
| Total annual income | $90,000.00 |
| Total annual expenses and debt | $62,000.00 |
Important limitations
Taxes, appreciation, depreciation and personal use are excluded.
Cash-on-cash return uses cash invested
Annual operating income is booking revenue plus other income less operating expenses. Debt service is then subtracted to obtain the modeled annual cash flow. Dividing that cash flow by cash invested gives the percentage shown. Appreciation, principal paid down, sale proceeds, income taxes and a future refinance are outside this annual cash-return measure.