Holiday Let Seasonal Income
Calculator
Results
- Cumulative net income
- $130,697.20
- First-year net income
- $11,241.72
- Final-year net income
- $15,059.27
- Gross income
- $29,025.98
How the position develops over the projected years
- Gross income
- Annual net income
- Cumulative net income
Year-by-year property projection
| 1 | 12,936.00 | 9,310.00 | 22,246.00 | 11,004.28 | 11,241.72 | 11,241.72 |
| 2 | 13,324.08 | 9,589.30 | 22,913.38 | 11,299.41 | 11,613.97 | 22,855.69 |
| 3 | 13,723.80 | 9,876.98 | 23,600.78 | 11,602.52 | 11,998.27 | 34,853.96 |
| 4 | 14,135.52 | 10,173.29 | 24,308.80 | 11,913.82 | 12,394.99 | 47,248.94 |
| 5 | 14,559.58 | 10,478.49 | 25,038.07 | 12,233.54 | 12,804.53 | 60,053.47 |
| 6 | 14,996.37 | 10,792.84 | 25,789.21 | 12,561.92 | 13,227.30 | 73,280.76 |
| 7 | 15,446.26 | 11,116.63 | 26,562.89 | 12,899.17 | 13,663.71 | 86,944.48 |
| 8 | 15,909.65 | 11,450.13 | 27,359.77 | 13,245.56 | 14,114.21 | 101,058.69 |
| 9 | 16,386.94 | 11,793.63 | 28,180.57 | 13,601.32 | 14,579.24 | 115,637.94 |
| 10 | 16,878.55 | 12,147.44 | 29,025.98 | 13,966.72 | 15,059.27 | 130,697.20 |
Comparison
| Scenario | Annual net income | Cumulative net income |
|---|---|---|
| Doing nothing | 11,241.72 | 112,417.20 |
| Your scenario | 15,059.27 | 130,697.20 |
Formula
net_y = (7·w_p·r_p + 7·w_o·r_o)·occ·(1−f) − expenses_y= 130697.20
Note
This is a simplified projection model. It compounds the growth, cost and return rates you enter at a constant annual rate and amortizes mortgages on a standard fixed-rate annuity; real property markets, rents, interest rates, vacancy, maintenance and running costs move irregularly and can fall as well as rise. Taxes are applied only as the flat rate and allowance you enter: stamp duty and other transfer taxes are usually banded, capital gains relief, principal-residence exemptions, rental-income tax, depreciation and allowable expenses vary by country and by your circumstances and are not modelled here. Transaction, legal, letting and selling costs are taken as the percentages you supply. Baseline comparisons hold the alternative flat and ignore what else the money might have done. These results are general information, not investment, mortgage, tax or legal advice: consult a qualified professional before committing to a property decision.
More in Property projections
See all →Frequently asked questions
Why does seasonality matter so much for this type of income projection?+
Unlike a standard long-term rental with roughly steady monthly rent, a holiday let's income is concentrated in peak travel seasons and can be near zero in off-peak months, so averaging annual income into equal monthly amounts would badly misrepresent actual cash flow timing.
How is occupancy rate different for a holiday let versus a standard rental?+
Occupancy for a holiday let is usually expressed as a percentage of available nights actually booked, and it varies dramatically by season — a property might run 80-90% occupancy in high season and 15-20% in low season, which the calculator should let you set per season rather than as a single annual average.
What costs are unique to holiday lets that a long-term rental wouldn't have?+
Cleaning and turnover costs between every stay, higher utility usage, platform or booking fees, furnishing and amenity costs, and often more intensive property management all apply per-booking rather than per-year, so they scale with occupancy rather than staying fixed.
Is a higher nightly rate always better than higher occupancy?+
Not necessarily — total revenue is nightly rate multiplied by nights booked, so a property priced too high with low occupancy can earn less than one priced more moderately with high occupancy. The calculator's seasonal breakdown helps identify which lever matters more for a given season.
Does this account for local short-term rental regulations or caps?+
No, it's a financial projection based on the occupancy and rate assumptions you provide — it doesn't know about local rules that might cap the number of nights you're legally allowed to let a property short-term, which is worth checking separately before relying on the projected income.