Your payout isn’t your profit.

Follow one month through four layers

This hypothetical 30-day month has $4,000 in booking revenue. It is a teaching example, not a reported host result.

Label financing honestly

If your mortgage payment includes $400 of principal, that $400 reduces cash in the bank while paying down debt. Treating the entire mortgage as an operating expense confuses a cash-flow worksheet with an accounting income statement.

HostMetrio shows surplus before housing and a separate result after the full payment entered. It does not calculate taxable profit, depreciation, debt amortization, return on equity or the treatment of interest. A qualified accountant can help classify those items for your situation.

Reconcile assumptions with actual records

Use the calculator for planning, then compare its categories with your actual payout records and bills. A maintenance reserve is cash you plan to set aside; it may not equal repairs paid that month. Refunds, capital purchases, owner stays and taxes require separate reconciliation.

• Match the analysis period across revenue and expenses.
• Keep tax collected for authorities out of earned revenue.
• Check whether utilities are fixed, variable or mixed.
• Separate owner withdrawals from operating costs.
• Use cash flow to assess bills, not to infer taxable income.

A useful month-end reconciliation

Make three separate checks. Reconcile booking revenue and platform deductions with reservation records. Reconcile operating bills and planned reserves with the same period. Subtract the housing payment to see the remaining cash. Keep bank-deposit timing visible if it differs from hosted nights.

A repair reserve is not a repair invoice. If the model sets aside 5% and you also enter the same repair in fixed costs, label whether you are funding future work or paying this month’s bill. Otherwise a careful-looking worksheet can count one obligation twice.

• Use one analysis period across every category.
• Mark each line as earned income, paid expense, reserve or financing.
• Reconcile refunds and tax collected outside the simplified tool.
• Keep owner withdrawals separate from property performance.

Where this worksheet stops and tax accounting begins

The IRS rental-property publication is a US federal reference for reporting income, expenses and depreciation. It does not establish that every cash outflow in this model is deductible. Personal use, services supplied to guests and individual circumstances can change reporting treatment.

HostMetrio does not calculate taxable income, passive-activity treatment or depreciation. Give an accountant the underlying records. The source is the 2025 edition accessed on the review date, not a filing conclusion for another year.

Policy / product reference: IRS Publication 527 (2025): Residential Rental Property. Numeric examples and worksheets are HostMetrio illustrations.

When the payout and statement do not agree

Synthetic example: $1,500 of mapped booking revenue, less $225 in platform fees and $10 in withholding, plus a signed −$20 adjustment, implies $1,245. If the reported payout is $1,240, keep the $5 gap open. Check for another adjustment or mismatched payout dates before treating it as an expense.

If you paid $180 to the cleaner and $800 in housing payments for that same scope, $260 of the reported payout remains. Use actual payout for this cash worksheet and keep the $5 unexplained difference visible. A split payout can repeat the booking total, so adding the repeated gross may create a false gap.

Policy / product reference: Airbnb: Download your earnings. Numeric examples and worksheets are HostMetrio illustrations.