STR seasonal income.

STR (Short-Term Rental) annual income varies dramatically by season. Peak months (often summer for tourist areas): 80-95% occupancy. Off-peak: 30-50%. This tool models seasonal occupancy for realistic annual projection. Most STR underestimates ignore seasonality and use single average - usually overstates by 20-30%.

100/night, peak 90% occupancy 4 months, off-peak 40% × 8 months. Peak: 100 × 27 nights × 4 = 10,800. Off-peak: 100 × 12 nights × 8 = 9,600. Annual revenue 20,400. Less cleaning ~3,750 (30/3 stays/mo × 8 months × 60), less 6k fixed = 10,650 net. Modest profit, requires premium positioning to outperform long-term rental.

Best STR locations: tourist destinations with year-round demand (Lake District, Cornwall coast), business travel hubs (city centres near airports/conferences), unique properties (treehouses, glamping, themed rooms). Worst: residential areas without tourist appeal, oversupplied markets, tight regulation areas. Location matters more than property quality for STR success.

Run it with sensible defaults

Using nightly rate of 100, peak occupancy of 90%, off-peak occupancy of 40%, peak months per year of 4, the calculation works out to 10,320.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Nightly Rate, Peak Occupancy %, Off-Peak Occupancy %, Peak Months per Year, and Cleaning per Stay — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Peak revenue = nights × rate × peak months. Off-peak similarly. Total revenue - cleaning (stays × cost) - fixed = annual net. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

Why investors run this

Most people's intuition for compounding is wrong — not because the math is hard, but because linear thinking doesn't account for curves. Running numbers through a calculator like this one is the cheapest way to recalibrate that intuition before making an irreversible decision about contribution rate, asset mix, or retirement age.

What this doesn't capture

Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.