Depreciation recapture on rental property: what happens when you sell
How depreciation recapture works when you sell a rental property, what tax rate applies, and strategies to defer or minimize the tax hit.
Free Landlord & Property Management Calculators
Make smarter investment decisions with our free rental property calculators. Analyze mortgage payments, refinancing scenarios, and property investment strategies to maximize your returns.
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Leasing & Tenant Management
Income-to-Rent (3× Rent) Calculator
Calculate required annual income for tenant screening. Enter monthly rent to see income requirements at 2.5×, 3×, and 3.5× multiples. Optionally enter applicant income to check qualification. Essential screening tool for landlords.
Prorated Rent Calculator
Calculate prorated first-month rent when a tenant moves in mid-month. Enter the monthly rent amount and move-in date to see the prorated amount.
Rent Increase Calculator
Calculate new rent amount and projected annual revenue delta. Input current rent and either CPI or a custom percentage to see the new rent and annual impact.
Late Fee Calculator
Calculate late fees for overdue rent payments. Enter rent amount, days late, and state to see the late fee owed. Some states cap late fees by law.
Security Deposit Interest Calculator
Calculate interest owed on security deposits for states that require it. Several states mandate landlords pay interest on held security deposits—enter deposit amount, state, and hold dates to see what's owed at move-out.
Tax & Accounting
Residential Rental Depreciation Calculator
Calculate annual depreciation deduction for residential rental property (27.5-year schedule). Input purchase price and land value to determine your Schedule E Line 18 deduction.
Passive Loss / Rental Loss Deduction Checker
Determine if you qualify for the $25,000 passive loss allowance. Calculate your deductible rental losses with AGI phase-out between $100,000-$150,000. See how much you can deduct this year and what gets suspended.
Investment Analysis
Rental ROI / Cash-on-Cash Return Calculator
Analyze rental property returns including cash flow, cash-on-cash return, cap rate, appreciation, and equity buildup. Enter purchase details, rent, and expenses to evaluate an investment.
Buy vs. Keep vs. Sell Analyzer
Compare keeping a property (cash flow + appreciation) vs. selling (1031 exchange vs. paying capital gains). Make data-driven decisions about your investment strategy.
Mortgage Payment Calculator
Calculate monthly principal and interest (P&I) payments for a mortgage. Enter purchase price, down payment, interest rate, and loan term to see your monthly payment.
Refinance Break-Even Calculator
Calculate how many months it will take to break even on a mortgage refinance. Enter closing costs and monthly payment savings to see your break-even point.
Maintenance Reserve Calculator
Calculate recommended monthly maintenance reserves using the 1% rule (set aside 1% of property value per year) or 50-cent rule (50 cents per square foot per year). Plan ahead for repairs and capital expenses.
Vacancy Cost Calculator
Calculate the true cost of a vacant unit over time. Enter monthly rent, vacancy duration in weeks, and turnover expenses (cleaning, repairs, marketing) to see total cost impact. Motivates faster tenant placement.
Cap Rate Calculator
Calculate capitalization rate (cap rate) for a rental property. Net Operating Income ÷ Property Value. Essential for evaluating whether a property is worth holding or selling.
Net Operating Income (NOI) Calculator
Calculate Net Operating Income (NOI) — revenue minus operating expenses (before debt service). Core commercial underwriting metric for evaluating property performance and calculating cap rate.
DSCR (Debt Service Coverage Ratio) Calculator
Calculate DSCR for rental properties (NOI ÷ Annual Debt Service). Lenders typically require DSCR ≥ 1.25 for DSCR loans, which are popular with landlords and real estate investors.
Break-Even Occupancy Calculator
Calculate the minimum occupancy rate needed to cover all fixed costs for multi-unit properties. Determine how many units must be rented to break even and assess your margin of safety.
1% Rule Checker
Does monthly rent ≥ 1% of purchase price? Quick buy-or-pass filter landlords use to screen rental properties before deeper analysis. Enter purchase price and expected rent to check if a property passes.
Cash Flow Calculator
Calculate monthly and annual cash flow from rental property income. Subtract mortgage, taxes, insurance, maintenance, vacancy, and management fees from gross rent to determine net cash flow.
Calvulator - Profit Calculator with Future Estimates
Calculate future profit with custom price points and rental estimates for properties. Model non-steady state scenarios where property values may drop and then rise again. Perfect for volatile markets.