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Estimate your cost segregation savings
This runs the same MACRS math your depreciation schedule will follow — including 100% bonus depreciation for post–Jan 19, 2025 acquisitions under current law. Ranges come from our published modeling table; your study measures the real number.
1 · Property
2 · Timeline
3 · Numbers
4 · Tax profile
What did you buy (or build)?
Transaction
For builds/renovations: total project cost (materials + labor + fees).
Find it on your county tax assessor's site — the land %, not the market value, is what we need.
When did it go into service?
This controls 100% bonus depreciation under the One Big Beautiful Bill Act (IRS Notice 2026-11). Unchecked? Leave it — we'll confirm at proposal.
Your tax profile
Not sure? 24% or 32% fits most investors at these property levels.
Estimated first-year tax savings
$—
| First year (placed in service) | Without study | With SegWise study |
|---|---|---|
| Depreciation deduction | — | — |
| Increase in deduction | — | — |
| Estimated tax saved (federal) | — | — |
| Form 3115 catch-up deduction (prior years) | — | — |
Estimates assume the IRS mid-month convention and our published reclassification table; they are not tax advice. State and local effects, mid-quarter convention, passive-activity limits, and the §481(a) computation are handled in your free written proposal with your CPA.
About the numbers this calculator shows
Answers verified against current IRS guidance. Anything missing? Ask us and we'll publish it.
How much depreciation can be reclassified?
It depends on property type. In our modeled ranges, apartment buildings commonly land around 26–38%, offices 28–41%, medical offices 27–42%, and industrial/warehouse 25–39% of the depreciable basis (purchase price less land). Residential rentals vary more with construction quality and personal property included. These are ranges, not promises — the study measures your actual building.
What documents do I need?
At minimum: your closing statement (HUD/ALTA settlement), purchase agreement, and property address. Helpful extras: an appraisal with line items, the contractor final accounting or builder invoices for new construction or renovations, and depreciation schedules of assets you have already booked. Missing some documents is common — we routinely work with what exists.
Does the study include the catch-up deduction on prior years?
Yes. Every SegWise study includes the prior-year calculation and Form 3115 preparation for properties placed in service in earlier years, at no surprise add-on. Your CPA receives the form ready to e-file with the year-of-change return. (The §481(a) adjustment itself is set by IRS rules — in most cost-seg cases it is fully deductible in the change year.)
Can cost segregation offset my ordinary (W-2) income?
Real estate depreciation is generally passive, so using it against W-2 income requires a pathway like qualifying as a real estate professional (each spouse must independently exceed 750 hours and 50% of personal services in real property businesses — spousal hours do not combine since 2017), the short-term rental exception with material participation, or other exceptions your CPA can confirm. We model this before you order so expectations are set with your tax picture, not against it.
Turn the estimate into a flat-fee proposal
We verify every assumption with your actual documents — free, same business day.