Financial Tool · Powered by MortgageFig

1031 Exchange Calculator

Defer capital gains taxes and maximize your investment with a like-kind exchange. Use this detailed calculator to estimate your tax deferral, new basis, and compare with a taxable sale.

How It Works
This calculator is for informational purposes only and does not constitute tax or legal advice. Consult a qualified tax advisor or attorney for your situation.

1031 exchange inputs

Relinquished property, replacement property, and tax assumptions

1Relinquished (sold) property
2Replacement (purchased) property
3Exchange details & tax rates
Thinking about flipping property?
Estimate renovation costs, profit, and ROI with our House Flipping Calculator.
Try it

How this 1031 exchange calculator works

Our 1031 exchange calculator estimates tax deferral and new basis when you sell an investment property and purchase a like-kind replacement. It compares the tax impact of a 1031 exchange versus a taxable sale.

What is a 1031 exchange?

Named after IRC Section 1031, a 1031 exchange lets you defer capital gains tax when you sell investment property and reinvest in like-kind property. Rules are in IRS Publication 544.

Key rules

  • Like-kind: Both properties must be held for investment or business use
  • Timing: Identify replacement within 45 days; complete purchase within 180 days
  • Qualified intermediary: A QI must hold proceeds; you cannot take possession
  • Boot: Cash or non-like-kind property received is taxable
  • Depreciation recapture: Claimed depreciation is subject to recapture

Outputs

We calculate realized gain, recognized (taxable) gain, deferred gain, recapture tax, capital gains taxes, total tax, and new basis in the replacement property. A side-by-side comparison with a taxable sale is included.

Disclaimer

This tool is for informational purposes only. Actual tax outcomes may vary. Consult a qualified tax advisor or attorney before making decisions.

Feedback & Comments

Share your thoughts or ask a question

Contact Us
MortgageFig Support

We're here to help!

👋 Hello! How can we help you today?

Send us your questions, feedback, or ideas. We'd love to hear!

Max 1000 characters.