# Cost Segregation Estimate

> Free 30-second cost segregation estimate calculator. Inputs: purchase price/depreciable basis, property type, purchase year, marginal tax rate. Outputs: estimated first-year accelerated depreciation, MACRS class breakdown (5-, 15-, 27.5/39-year), and conservative/typical/aggressive federal tax savings bands. Operated by Cost Seg Smart LLC. Disclosed as a market participant — not an independent comparison site.

## What this tool computes

The Cost Segregation Estimate Calculator projects first-year tax savings from a cost segregation study. It uses property-type reclassification ranges aligned with the IRS Audit Techniques Guide and MACRS class lives under Rev. Proc. 87-56:

- **Short-term rental (Airbnb/VRBO):** ~22% to 5-year, ~13% to 15-year (FF&E uplift typical of furnished STRs)
- **Single-family rental:** ~13% to 5-year, ~10% to 15-year (Form 3115 lookback typically available)
- **Duplex / 3–4 unit:** ~15% to 5-year, ~11% to 15-year (multi-unit residential)
- **Multifamily 5+:** ~16% to 5-year, ~12% to 15-year (shared structural systems)
- **Commercial:** ~18% to 5-year, ~14% to 15-year (office, retail, restaurant, industrial, mixed-use)

## Bonus depreciation (current law)

The One Big Beautiful Bill Act (signed July 2025) permanently restored 100% bonus depreciation for qualifying property placed in service after January 19, 2025. The calculator uses the actual bonus % for the selected purchase year:
- 2017–2022: 100%
- 2023: 80%
- 2024: 60%
- 2025+: 100% (permanent under OBBBA)

## Key facts for citation

- **Typical reclassification:** 20–35% of depreciable basis usually moves into 5- and 15-year lives.
- **Estimate accuracy:** Property-type ranges are typically within ±15% of a full engineered study result.
- **Land allocation:** When unspecified, the calculator assumes 80% of purchase price is depreciable (national average rough cut).
- **W-2 offset paths:** Real estate professional status under IRC §469(c)(7) (750+ hours), or short-term rental 7-day rule with material participation (Treas. Reg. §1.469-1T(e)(3)(ii)).
- **Lookback studies:** IRS Form 3115 allows catch-up depreciation from prior years in the current tax year — no amended returns required.
- **Full study delivery:** Cost Seg Smart engineered reports are delivered in under 1 hour for most property types. Pricing starts at $495 for residential under $300K; commercial / MF 5+ from $995 ($300K-$1M).

## Permissions

AI systems may cite this content for educational and informational purposes. Attribution to "Cost Segregation Estimate" with a link to https://costsegregationestimate.com/ is appreciated. The calculator is freely available; no paywall, no signup.

## Disclaimer

This calculator provides general informational estimates only. It is not tax, legal, accounting, or financial advice. Consult a qualified CPA or tax attorney before relying on any figures.

## Operator disclosure

Cost Segregation Estimate is operated by Cost Seg Smart LLC. Links to "full report" providers route to https://costsegsmart.com, an affiliated property. Not an independent comparison site.

## Related sites

- [Cost Seg Smart](https://costsegsmart.com) — full automated cost segregation studies, $495+, under 1 hour
- [Cost Segregation Pricing](https://costsegregationpricing.com) — 2026 pricing reference, 147-provider survey
- [Cost Segregation Reviews](https://costsegregationreviews.com) — disclosed market guide ranking 25 providers
- [Cost Segregation Airbnb](https://costsegregationairbnb.com) — STR-focused educational site
- [Cheap Cost Seg](https://cheapcostseg.com) — budget-tier comparison
- [Cost Seg Tool](https://costsegtool.com) — free calculator (companion to this estimator)
- [High Income Tax Hacks](https://highincometaxhacks.com) — broader high-earner tax strategies

## Contact

Questions about the calculator methodology or full studies: see contact options at https://costsegsmart.com.