Income and investment
Holiday Let Income Calculator
Estimate holiday-let income, cashflow and return from assumptions you control. HLI does the investment maths. It does not invent local ADR or occupancy from a postcode.
For a listing-specific screen, open Deal Checker. It uses the property details you supply there. This analyser will not invent local ADR or occupancy from a postcode.
Check this property in Deal CheckerHow it works
You supply the market assumptions. HLI uses the same calculation engine as the main Holiday Let Calculator to turn those assumptions into cashflow, yield, cash-on-cash return and break-even occupancy. Conservative, base, strong and stress cases change occupancy, rate or mortgage rate. They are not forecasts.
What the inputs mean
Weekly or nightly rate and occupancy are yours to evidence. Postcode, bedrooms and property type help you remember which property you modelled. They do not generate a market rent. Management, cleaning, utilities and finance are owner costs, not guest-facing prices.
How to interpret the result
Needs stronger assumptions, Marginal, Potentially workable and Strong under entered assumptions describe the model you typed. They are not a guarantee, a credit decision or advice to buy.
Worked example
A £250,000 cottage with a £75,000 deposit, 55% occupancy and a £1,050 weekly rate can look workable until cleaning, utilities, 18% management and a 5.75% interest-only mortgage are included. Change occupancy to 40% in the conservative case and the same purchase can turn marginal.
Limitations
There is no live Airbnb, Rightmove or occupancy feed behind this page. If a market-data source is added later, it will be labelled separately from calculated outputs.
Related tools
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FAQs
Common questions
Does a postcode produce local income figures?
No. Postcode and area are labels only. You enter rate and occupancy, or you take a listing into Deal Checker.
Is this the same as the main calculator?
It uses the same calculation engine, but this page is built around a simpler assumption set and scenario labels. Use the main calculator for a full seasonal model.
Can HLI guarantee these returns?
No. The tool never describes a guaranteed investment, guaranteed profit or safe return.
These tools model the assumptions you enter. They are not a valuation, mortgage offer, tax calculation for your circumstances, or a recommendation to buy. Holiday Let Investor does not provide regulated mortgage advice.