1031 Exchange Calculator

Estimate your potential taxable gain and what you could defer with a 1031 exchange. This is a planning tool — always confirm with your CPA and a qualified intermediary (QI).

Sale Details

Sale Price ($)

Estimated Selling Costs (%)

Commissions + closing costs. Use your best estimate.

Loan Payoff ($)

State Capital Gains Tax Rate (%)

State tax varies. Use 0% if not applicable.

Cost Basis & Depreciation

Original Purchase Price ($)

Capital Improvements ($)

Roof, HVAC, remodels, additions, etc.

Total Depreciation Taken ($)

If unsure, ask your CPA or use your best estimate.

Depreciation Recapture Rate (%)

Common federal recapture rate is ~25%.

Federal Tax Assumptions

Federal Long-Term Cap Gains Rate (%)

NIIT (Net Investment Income Tax) (%)

Replacement Property (Optional)

Planned Replacement Purchase Price ($)

Planned Down Payment (%)

1031 rules are more nuanced than a calculator. This is an estimate to help you plan.

Estimated Tax You Could Defer (planning)

Net Sale Proceeds (before taxes)

Cash After Taxes (if no 1031)

Gain + Tax Breakdown

Adjusted Basis: $0

Realized Gain: $0

Depreciation Recapture Tax: $0

Capital Gains Tax (fed + NIIT + state): $0

Total Estimated Tax: $0

1031 Planning Targets

Minimum Replacement Price (rule of thumb): $0

Estimated New Loan Amount: $0

Estimated Down Payment Needed: $0

Proceeds vs Down Payment Gap: $0

Rule of thumb for a “full” exchange: buy equal/greater value and reinvest all net proceeds (and avoid mortgage boot).

SUBMIT YOUR DEAL