Short-term rental tax savings calculator
Move the sliders and see what a cost segregation study is worth in your first year — and how much of it gets pushed to later years. Uses 2026 tax rates.
Tax you save in year one
$0
Extra depreciation
$0
Pushed to later years
$0
Your marginal rate
0%
The property
After mortgage interest, taxes, insurance, management, repairs and every other cash cost — but before depreciation. Drag left of center if it runs at a loss.
Your income
Pick your filing status and your numbers appear here.
What you actually pay
Where the depreciation comes from
How much of the loss you can use now
The section 461(l) cap in depth, with a calculator for it on its own
Adjust the assumptions
A cost segregation study reclassifies part of the building out of its 27.5-year or 39-year depreciation period and into 5-, 7-, and 15-year property. Bonus depreciation is the separate rule that then lets you write that reclassified amount off in year one. The two percentages below control the reclassification; bonus is the selector underneath.
This calculator assumes guests stay seven days or less on average and you meet one of the material participation tests. Otherwise, the loss may be passive and may not offset salary or other active income.
See every line of the math
Want the real number for your property?
A short call, and an honest read on whether a cost segregation study is worth paying for in your situation.
Book a callIllustrative only, for the 2026 tax year, and not advice for your situation. It covers one property in its first year and assumes the rental is not passive. It leaves out the qualified business income deduction, state tax, the alternative minimum tax, section 179 and prior-year carryforwards. Self-employment tax is left out because rental income is not subject to it, so a cost segregation study does not change it. Figures from Rev. Proc. 2025-32, section 461(l), section 172, section 1411, section 168 and Notice 2026-11.