Investment Analysis Calculator

Investment analysis with cost segregation — ROI, cap rate, cash flow, and accelerated depreciation tax strategy for any property.

Property

Property Address

Purchase Price

Down Payment

Interest Rate

Loan Term

yrs

Income

Monthly Rental Income

Other Monthly Income

Vacancy Rate

Monthly Expenses

Property Tax

$/mo

Insurance

$/mo

Maintenance

$/mo

Utilities

$/mo

Property Management

HOA

$/mo

Tax Strategy: Cost Segregation

Property Type

Land Value ($)

Renovation Cost ($)

Tax Bracket (%)

Year Placed in Service

Current bonus rate: 40% Bonus

Results

Cap Rate —

Cash-on-Cash Return —

Monthly Cash Flow —

Break-Even Occupancy —

Expense Breakdown

Monthly expense distribution

Return Metrics Comparison

Cap rate vs CoC vs total return

Item	Monthly	Annual

What is Cost Segregation?

Cost segregation reclassifies building components from the standard 27.5-year (residential) or 39-year (commercial) depreciation schedule into shorter 5, 7, and 15-year recovery periods. This accelerates your depreciation deductions, creating immediate tax savings and improving cash flow. Components such as carpet, appliances, landscaping, and certain electrical systems can qualify for accelerated treatment — often yielding substantial first-year tax benefits when combined with bonus depreciation.

No Study

Year-1 Depreciation—

Year-1 Tax Savings—

vs. No Study Increasebaseline

5-Year Cumulative—

Conservative

Year-1 Depreciation—

Year-1 Tax Savings—

vs. No Study Increase—

5-Year Cumulative—

Optimistic

Year-1 Depreciation—

Year-1 Tax Savings—

vs. No Study Increase—

5-Year Cumulative—

Component Reclassification

Asset Class	% of Basis	Dollar Amount	Annual Depr. (Conservative)	Annual Depr. (Optimistic)

Depreciation by Asset Class

Stacked comparison across scenarios

Cap Rate — NOI ÷ Purchase Price

CoC (Before Tax Strategy) — Pre cost-seg cash-on-cash

CoC (After Tax Strategy) — Conservative scenario

Monthly Cash Flow — After all expenses & debt

Effective Tax Savings — Conservative Year-1

Side-by-Side Comparison

Metric	Without Cost Seg	With Cost Seg (Conservative)	With Cost Seg (Optimistic)

Before vs. After: Key Metrics

Impact of cost segregation on investment performance

What to explore next

Cash Flow CalculatorDive deeper into monthly income and expense projections Cap Rate CalculatorCompare cap rates across multiple properties side by side BRRRR CalculatorModel a full BRRRR cycle if this is a value-add opportunity Capital Gains TaxModel exit strategy tax implications when you sell