This calculator works out how many nights you need to rent your holiday home in New Zealand each year just to cover what it costs to own, the single most useful number for anyone weighing up whether to let their bach out on Airbnb, Bookabach or directly. A holiday home is a wonderful thing, but it is also a year-round cost: the mortgage interest, rates, insurance, maintenance, power and management fees roll on whether anyone is staying or not. Renting it out can offset those costs, but only the income left after each booking's cleaning and management cost actually goes toward them, which is why the headline nightly rate overstates how fast you cover your bills. You enter the home's total yearly costs, the average nightly rate you can charge, and the cleaning and management cost per night, and the calculator divides the yearly costs by the net income per night to give the break-even nights, along with the share of the year that represents. Compare that against how many nights you can realistically book in your location and season, and how many you want to keep for your own family, to see whether letting it out stacks up. Remember short-stay letting carries tax and council obligations. Figures are estimates only, not financial advice.
Only the income after each night's cleaning and management goes toward yearly costs. Short-stay letting has tax and council rules. Estimate only.
The net income per night is the nightly rate minus the cleaning and management cost for that night. The break-even nights are the total yearly costs divided by that net income per night. The share of the year is the break-even nights divided by 365, a quick check of how achievable that occupancy is.
With 28,000 dollars of yearly costs, a 220 dollar nightly rate and 50 dollars of cleaning and management per night, the net income per night is 170 dollars. Dividing 28,000 by 170 gives about 165 nights, roughly 45 percent of the year.
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