Free Tax Savings Calculator
1031 Exchange Tax Savings Calculator
Estimate your potential tax savings with a 1031 exchange using 2025 federal and state tax rates. See exactly how much you could defer.
Estimate your potential tax savings with a 1031 exchange using 2025 federal and state tax rates. See exactly how much you could defer.
Sale price, purchase price, improvements, and depreciation.
Filing status, income, and state where property is located.
Instantly see taxes without vs. with a 1031 exchange.
YOUR POTENTIAL TAX SAVINGS
Based on 2025 tax rates
WITHOUT 1031 Exchange
Total taxes owed
WITH 1031 Exchange
Total taxes owed
| Tax Component | Without 1031 | With 1031 | Deferred |
|---|---|---|---|
| Federal LTCG Tax () | |||
| Depreciation Recapture (25%) | |||
| Net Investment Income Tax (3.8%) | |||
| State Capital Gains Tax () | |||
| Total Tax | |||
| Exchange Costs | N/A | N/A | |
| NET SAVINGS |
Without 1031 Exchange
With 1031 Exchange
You Save:
Adjusted Basis
Realized Gain
Effective Tax Rate (Without)
Ready to save ?
Start your 1031 exchange today. Simple 1031 QI fee: Just $799.
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Your sale does not generate a taxable gain based on the information provided. You may have a deductible loss. A 1031 exchange may not be necessary in this situation.
Applies to profit after depreciation recapture. The rate (0%, 15%, or 20%) depends on your total taxable income. Most investors pay 15%.
Often the largest tax component for long-held properties. The IRS "recaptures" depreciation deductions at up to 25% when you sell.
An additional 3.8% on investment income if your MAGI exceeds $200,000 (single) or $250,000 (married filing jointly). Not indexed for inflation.
Varies from 0% (no income tax states) to 13.3% (California). This is in addition to federal taxes.
Purchase Price + Improvements - Depreciation. Subtracted from sale price to determine gain.
Cash or non-like-kind property received in a 1031 exchange. Triggers immediate tax liability.
IRS requirement to pay tax on depreciation deductions when you sell. For real property, taxed at max 25%.
3.8% surtax on investment income for high earners above specific MAGI thresholds.
Net Sale Price minus Adjusted Basis. The starting point for tax calculations.
Third party who holds proceeds and ensures IRS compliance. Simple 1031 provides QI services starting at $799.
Dive deeper into capital gains tax and 1031 exchanges with these guides.
A side-by-side comparison of what you actually keep.
Read article →QI fees, timelines, and what you should (and shouldn't) pay.
Read article →Everything you need to know, start to finish.
Read guide →This calculator provides estimates only and is for educational purposes. Actual tax liability may vary based on your complete tax situation, changes to tax laws, state-specific rules, cost segregation strategies, AMT considerations, and other factors unique to your situation. This is not tax advice. Consult a qualified tax professional before making any decisions. Simple 1031 does not provide tax, legal, or accounting advice.
IRS Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax advice contained in this communication is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. © 2026 Simple 1031. All rights reserved.