Which cost segregation calculator should I use first?

Start with the Cost Segregation Savings Calculator. Enter the depreciable basis and property type, and it returns the first-year deduction under 100% bonus depreciation using the industry-typical reclassification percentage from IRS Pub 5653 (20% to 40% depending on type). It reveals whether the deduction size justifies the $795 to $2,995 study fee. Runs in-browser with no login.

How accurate are the cost segregation calculator estimates?

Calculator estimates use industry-typical component allocations by property type. A real engineering study uses property-specific component data from photographs, blueprints, and site inspection. Actual reclassifications typically fall within plus-or-minus 15% of the calculator estimate for residential and plus-or-minus 25% for commercial. The calculator is precise enough to decide whether to order a study.

Do I qualify for the STR loophole? How do I check?

The STR Loophole Eligibility Checker walks the four criteria under Reg. 1.469-1T(e)(3)(ii): average customer stay of 7 days or less, or 30 days or less with significant personal services, plus material participation under one of the seven Reg. 1.469-5T tests. Enter your average stay, personal service hours, and personal use days. The checker returns pass/fail with the specific test that qualifies you.

How much depreciation recapture will I owe when I sell?

The Depreciation Recapture Calculator splits accumulated depreciation between Section 1245 (5, 7, 15-year property at ordinary rates) and unrecaptured Section 1250 gain (capped at 25% under Section 1(h)(1)(E)). Enter purchase price, sale price, and years held. It also runs the 1031 exchange comparison showing the full amount deferred if you swap into replacement property.

What bonus depreciation rate applies to my property?

The Bonus Depreciation Timeline Tool uses your acquisition date and placed-in-service date to return the correct Section 168(k) rate. Property acquired after January 19, 2025 gets 100% under OBBBA. Property under a binding contract before January 20, 2025 falls on the phase-down: 40% in 2025, 20% in 2026, 0% thereafter. The tool cites IRS Notice 2026-11 acquisition-date safe harbors.

How many hours do I need to log for REPS qualification?

The REPS Hours Tracker computes both prongs of IRC Section 469(c)(7): more than 750 hours in real property trades or businesses, and more than half of all personal service hours in real property. Log time in 15-minute increments across the year. It flags weeks where hours fall short of the 14.4-hour weekly pace needed for the 750-hour test.

Free Cost Segregation Calculators

By Zawwad Ul Sami, Founder, WeCostSegPublished: 2026-05-14Last updated: 2026-07-28

Five interactive tools that handle the math investors keep asking about. Each uses industry-typical component allocations from IRS Publication 5653 guidance and the allocation ranges published on our property type pages. Calculators are estimates only. A real engineering study uses property-specific component data and is materially more precise.

Cost Segregation Savings Calculator
First-year deduction and tax savings under 100% bonus depreciation.
Depreciation Recapture Calculator
Section 1245 vs unrecaptured 1250 vs LTCG, with 1031 deferral comparison.
STR Loophole Eligibility Checker
The four criteria under Reg. 1.469-1T(e)(3)(ii) plus the material-participation tests.
Bonus Depreciation Timeline Tool
Which bonus rate applies based on the OBBBA Jan 19, 2025 cliff.
REPS Hours Tracker
750-hour and more-than-half tests for IRC Section 469(c)(7) qualification.

Frequently asked questions

Which cost segregation calculator should I use first?: Start with the Cost Segregation Savings Calculator. Enter the depreciable basis and property type, and it returns the first-year deduction under 100% bonus depreciation using the industry-typical reclassification percentage from IRS Pub 5653 (20% to 40% depending on type). It reveals whether the deduction size justifies the $795 to $2,995 study fee. Runs in-browser with no login.
How accurate are the cost segregation calculator estimates?: Calculator estimates use industry-typical component allocations by property type. A real engineering study uses property-specific component data from photographs, blueprints, and site inspection. Actual reclassifications typically fall within plus-or-minus 15% of the calculator estimate for residential and plus-or-minus 25% for commercial. The calculator is precise enough to decide whether to order a study.
Do I qualify for the STR loophole? How do I check?: The STR Loophole Eligibility Checker walks the four criteria under Reg. 1.469-1T(e)(3)(ii): average customer stay of 7 days or less, or 30 days or less with significant personal services, plus material participation under one of the seven Reg. 1.469-5T tests. Enter your average stay, personal service hours, and personal use days. The checker returns pass/fail with the specific test that qualifies you.
How much depreciation recapture will I owe when I sell?: The Depreciation Recapture Calculator splits accumulated depreciation between Section 1245 (5, 7, 15-year property at ordinary rates) and unrecaptured Section 1250 gain (capped at 25% under Section 1(h)(1)(E)). Enter purchase price, sale price, and years held. It also runs the 1031 exchange comparison showing the full amount deferred if you swap into replacement property.
What bonus depreciation rate applies to my property?: The Bonus Depreciation Timeline Tool uses your acquisition date and placed-in-service date to return the correct Section 168(k) rate. Property acquired after January 19, 2025 gets 100% under OBBBA. Property under a binding contract before January 20, 2025 falls on the phase-down: 40% in 2025, 20% in 2026, 0% thereafter. The tool cites IRS Notice 2026-11 acquisition-date safe harbors.
How many hours do I need to log for REPS qualification?: The REPS Hours Tracker computes both prongs of IRC Section 469(c)(7): more than 750 hours in real property trades or businesses, and more than half of all personal service hours in real property. Log time in 15-minute increments across the year. It flags weeks where hours fall short of the 14.4-hour weekly pace needed for the 750-hour test.