How do I add or edit expenses?

Editing operating expenses

Your running costs live in the Profit box, partway down the analysis:

1. Sign in, open your analysis and click the pencil next to Operating Expenses.
2. Change any field. Each group shows its own monthly subtotal, and the footer shows the Monthly total as you type.
3. Click Save. If you close the window with unsaved changes, BNBCalc asks whether to Save & close, Don't save & close or Keep editing.

Profit, cash flow and every return on the page update to match. The fields are all monthly, except the four marked as a percentage of revenue:

Typing a dollar amount into Cleaning Cost Amount rewrites the percentage to match, since cleaning is worked out as a share of revenue. If you list on more than one platform, you can enter a blended rate in Airbnb Fee instead of Airbnb's own.

There's no button to add a new expense line, because the list is fixed. If you've got a cost that doesn't fit any field, put it under Other, or Other Utilities if it's a utility, and it counts toward the total the same way.

Keep in mind that property tax isn't in this list. BNBCalc keeps it with the loan under Mortgage & Taxes, which is why you won't find it among the operating expenses.

A Cohost analysis works a little differently. There the box is called Revenue, and the pencil next to Cleaning opens the only running costs it models: the cleaning percentage and supplies.

Loan terms and upfront costs

The other pencils on the page open editors that work the same way, with a Save button at the bottom:

Growth assumptions sit further down the page, under Investment Value Over Time (Cashflow Over Time on a Rent analysis). Its Revenue Appreciation slider sets how fast revenue grows each year and, on Buy and Own analyses, Property Appreciation sets how fast the home's value grows. Both start at 3% for a US home.

Saving your numbers as a preset

If you use the same cleaner, manager or insurance quote on every deal, you won't want to type them in each time. A preset is a named set of values you can reuse on any analysis, and every editor in the table above has them.

1. Open the editor, for example Operating Expenses, and click New preset.
2. Give it a name of at least 4 characters and enter your numbers.
3. To make new analyses start from it, tick Set as default.
4. Click Save. The preset is saved and applied to this analysis.

To use a preset on another analysis, open the same editor there, click the preset in the list on the left (Switch Preset on a phone) and click Apply. If you'd rather keep an analysis unlinked, pick Custom (No Preset) at the top of the list, which holds that analysis's own values. You can also tick Set as default later on a preset you've already saved, which applies it to the analysis you're on as well.

Careful when you change a saved preset: clicking Save asks "Do you want to update your global preset with these changes?" Update preset saves your edits into the preset itself, so they're used wherever you apply it from then on, and applies them here. Apply changes only leaves the preset as it was and uses your edits on this analysis alone.

A default only applies to new analyses of the same kind, because Buy and Own analyses share one set of presets and Rent analyses have their own. Presets only live inside these editors, so there's no separate page to manage them from.

Letting AI suggest the expenses

The starting values don't depend on the home's size or features, so a four-bedroom with a pool begins with the same water bill as a small condo. To tailor them, click Estimate with AI next to the box's heading. It works if you're signed in with a paid plan, or on a free account with a free analysis you haven't used yet. BNBCalc proposes a value for each field it can estimate, with the reason and a confidence level, and you tick the ones you want and click Apply selected. Values from your saved presets start unticked, so you won't overwrite your own numbers by accident.

Only the analysis's creator can save expense changes, and only while signed in. If you aren't signed in, a "Sign up to save your edits" banner reminds you that nothing you type is kept.