1031 Exchange
Defer the tax, keep the capital
A 1031 exchange lets you sell one investment property and reinvest the proceeds in another while deferring the capital gains tax and depreciation recapture. This calculator estimates the federal and state tax a sale would trigger, so you can see what a like-kind exchange can keep working for you.
Browser-only estimate
What a sale would cost you in tax
Enter your basis, sale price, selling costs, and tax rates. The deferred tax updates as you type.
Purchase price plus improvements, before depreciation.
Accumulated depreciation on the building, which is recaptured at 25%.
Commissions, title, and other closing costs you pay at the sale.
Florida has no state capital gains tax, so 0% is right here. Use your home state's rate if you file there.
3.8% applies above certain income thresholds.
Tax you could defer
$75,928
- Adjusted basis
- $160,000
- Total gain
- $356,000
- Depreciation recapture
- $22,500
- Capital gains + NIIT
- $53,428
- State tax
- $0
- After-tax if you sell outright
- $440,072
Estimates only, not tax advice. A 1031 exchange defers these taxes, it does not erase them. Work with a qualified intermediary and your tax advisor.
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This is a browser-only estimate to help you plan. Michael “Wiz” Wisniewski pairs the math with real lender quotes, current tax and insurance figures, and a plan that fits your goals. No obligation, no pressure.
This is a browser-only estimate with simplified tax assumptions, not tax advice.
A 1031 exchange must follow strict rules on timing, identification, and qualified intermediaries. Work with a qualified intermediary and your tax advisor.
Wiz coordinates with tax advisors, trust and estate attorneys, and financial advisors to build a complete legacy plan.