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Cost segregation calculator

Two tools on this page: our instant rule-of-thumb estimator, and a detailed property-specific calculator from our study partner below it.

A rule-of-thumb estimate of what a cost segregation study might unlock in year one with 100% bonus depreciation. Full context in our cost segregation guide — including whether you can actually use the loss.

Want a detailed estimate for your exact property?

The quick math above uses rules of thumb. For a property-specific estimate — including a year-by-year depreciation schedule and a free study proposal — use the full calculator below from our cost segregation partner:

Disclosure: the detailed calculator is provided by RE Cost Seg, a cost segregation study firm we partner with. Liberty Advisory Group may receive compensation if you order a study through this tool. That relationship never changes our advice — including our advice, on this very page, about when a study is not worth commissioning.

State rates are approximate 2026 top marginal rates for single filers (editable) — graduated brackets, local taxes (e.g., Maryland counties), and special levies (e.g., Washington capital gains) are not modeled.

Two big caveats: reclassification percentages vary property by property — an engineering study sets the real number — and whether this loss offsets your other income depends entirely on the passive-activity rules (REPS or the STR route).

Educational estimate only — simplified assumptions, not tax advice, and not a substitute for a calculation on your actual return. Limits and rates change annually.