Occupancy percentage = rooms sold / rooms available x 100. The calculator on this page estimates a monthly loan payment from an amount, a rate and a term; it does not compute occupancy.
Worked Example: Occupancy Percentage Calculator for a North Platte, NE Motel Planning Room Updates
The calculator on this page takes three inputs, an amount in dollars, a rate (annual %) and a term in months, and returns an estimated monthly payment, total interest and the total repaid. Nothing typed into it is sent anywhere. It does not compute occupancy; each example on this page works that part by hand. The tables use the payment rounded to the cent, so their totals can differ from the calculator’s by less than a dollar.
Illustration only, invented figures: a 40-room motel open all 30 nights of a month has 1,200 room-nights to sell (40 x 30). It sold 702, an occupancy of 58.5% (702 / 1,200 x 100). At an average of $79 a room-night, those nights brought in $55,458 of room revenue. The owner prices new mattresses and televisions for every room at $60,000. Spread over 48 months at 10.5%, the payment is $1,536.20, which 20 room-nights at $79 cover ($1,536.20 / $79, rounded up to whole nights), or 1.7% of the month’s 1,200.
| Line | Worked figure |
|---|---|
| Amount ($) | $60,000 |
| Rate (annual %) | 10.5% |
| Term (months) | 48 |
| Monthly payment | $1,536.20 |
| Total of 48 payments | $73,737.60 |
| Interest | $13,737.60 |
A small staff is no bar to running these numbers. Seven of the 21 traveler accommodation establishments that had paid employees in Lincoln County, NE during 2023 ran with fewer than five people on payroll (County Business Patterns, NAICS 7211).
Worked Example: Occupancy Percentage Calculator for a Lincoln County, NE Motel Weighing a Credit Line
Illustration only, invented figures: the same 40-room motel sells 496 room-nights in a 31-night month, an occupancy of 40.0% (496 / 1,240 x 100), then 834 in the next 30-night month, or 69.5% (834 / 1,200 x 100). Payroll and utility bills do not shrink in step with occupancy, and that gap between months is what a business line of credit is shaped for: draw when room revenue runs short, pay the draw down when it recovers.
The calculator on this page does not model a credit line, since a line has draws and paydowns rather than one fixed schedule. Worked by hand instead: a $12,000 draw held for 45 days at an invented 11.5% annual rate, with interest figured daily on the drawn balance, costs $170.14; held for 75 days, $283.56. How a real line figures interest is set out in the funding partner’s offer.
| Line | Worked figure |
|---|---|
| Room-nights available, month one | 1,240 |
| Room-nights sold, month one | 496 |
| Occupancy, month one | 40.0% |
| Room-nights available, month two | 1,200 |
| Room-nights sold, month two | 834 |
| Occupancy, month two | 69.5% |
Worked Example: Occupancy Percentage Calculator for a Motel Replacing Mattress Sets
Illustration only, invented figures: the vendor asks $1,150 a set for 24 mattress sets, a $27,600 order. With 4 rooms out of service for 5 nights during the swap, a 30-night month offers 1,180 room-nights instead of 1,200. Selling 720 then reads as 61.0% occupancy (720 / 1,180 x 100), against 60.0% had every room stayed open. The percentage rises while the nights sold stay put, so when months with closed rooms are compared, nights sold and room revenue say more than the percentage alone.
Over 36 months at an invented 9.75%, the $27,600 quote carries a payment of $887.34, and the 36 payments total $31,944.24. The equipment financing page explains equipment terms, and it has an equipment calculator with a down payment input.
| Line | Worked figure |
|---|---|
| Amount ($) | $27,600 |
| Rate (annual %) | 9.75% |
| Term (months) | 36 |
| Monthly payment | $887.34 |
| Total of 36 payments | $31,944.24 |
| Interest | $4,344.24 |
Worked Example: Occupancy Percentage Calculator Next to a Payment Estimate for Linens and Beds
Illustration only, invented figures: a 32-room motel tracks a week rather than a month: 224 room-nights available (32 x 7), 151 sold, an occupancy of 67.4% (151 / 224 x 100). Its owner prices new linens and bed frames at $18,500 and puts two terms side by side.
At an invented 11.25% for 12 months, the owner would pay $1,637.22 a month and $1,146.64 of interest in all. Stretching the same amount to 24 months lowers the payment to $864.39, but interest grows to $2,245.36, which is $1,098.72 more. Which schedule fits depends on what the motel’s weekly room revenue can carry, and the funding partner sets the actual terms. Once the linens and beds have a real price, the next step is a call or the request form.
| Line | 12 months | 24 months |
|---|---|---|
| Amount ($) | $18,500 | $18,500 |
| Rate (annual %) | 11.25% | 11.25% |
| Monthly payment | $1,637.22 | $864.39 |
| Total of payments | $19,646.64 | $20,745.36 |
| Interest | $1,146.64 | $2,245.36 |
By Pineline Credit · Updated

