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[Home](/)/ [Tools](/tools/)/ Cost Segregation Calculator 

Calculator · depreciation 

# Cost Segregation Calculator

A cost segregation study moves chunks of a building into faster 5, 7, and 15-year buckets so you can front-load depreciation. Estimate the first-year deduction and what it's worth at your tax rate.

Your property

Purchase price

$ 

Land value · % of price 

% 

Reclassified to short-life · typical 20–30% 

% 

Placed in service

Month · put up for rent 

January February March April May June July August September October November December

Year

2022 2023 2024 2025 2026 2027 2028

Marginal tax rate

% 

Bonus depreciation · set by date 

100.0%

Estimated first-year tax savings

$30,836

vs. straight-line depreciation alone

First-year depreciation $110,909 

Without cost seg $14,545 

Extra deduction year one $96,364 

Building (depreciable) basis $400,000 

Reclassified to short-life $100,000 

Bonus rate (June 2026) 100.0% 

Bonus depreciation taken $100,000 

At a 32.0% rate, accelerating roughly $96,364 of deductions into year one is about $30,836 that stays in your pocket now instead of trickling in over decades.

Rough estimate for education only. Real cost segregation needs an engineering-based study, and bonus depreciation rules, recapture, the mid-quarter convention, and passive-loss limits all apply. Talk to your CPA before you count on any of these numbers.

Off to go build something.  
Go build yours.  ~ Jennifer

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