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1031 Like-Kind Exchange Calculator

Estimate the tax you can defer in a Section 1031 like-kind exchange. Calculate your minimum replacement property value, net equity, and potential boot that could trigger taxation.

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1031 Like-Kind Exchange Calculator

Estimate the tax you can defer in a Section 1031 like-kind exchange. Calculate your minimu...

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📊 1031 Exchange Analysis
Net Equity
Total Gain
Min. Replacement Value
Deferred Tax (~20%)

To fully defer all taxes, the replacement property must equal or exceed the relinquished property's sale price and all net equity must be reinvested.

*Work with a qualified intermediary and real estate attorney to ensure IRS compliance.

What is the 1031 Exchange Calculator?

A 1031 exchange (named for Section 1031 of the IRS tax code) allows real estate investors to defer capital gains taxes when selling an investment property, provided they reinvest the proceeds into a "like-kind" replacement property within strict time limits: 45 days to identify the replacement property and 180 days to close on it. To fully defer all taxes, the replacement property must be equal to or greater in value than the relinquished property, and all equity must be reinvested. Any cash or debt relief received ("boot") is taxable.

How to Use This Calculator

  • 1Enter the sale price of your relinquished (sold) property.
  • 2Enter your original cost basis — what you paid for the property.
  • 3Add accumulated depreciation taken on the property over ownership.
  • 4Enter your existing mortgage or debt that will be relieved through the sale.
  • 5Add closing and selling costs.
  • 6Click Calculate to see your net equity, total gain, minimum replacement property value, and estimated deferred tax.

⚖️ Attorney's Role

A 1031 exchange is complex and highly time-sensitive. A real estate attorney coordinates with a Qualified Intermediary (QI) — legally required to hold exchange funds — ensures the exchange agreement is properly structured before the first closing, reviews the replacement property contract for compliance, and handles the legal documentation for both legs of the exchange.

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Frequently Asked Questions

Everything you need to know about 1031 exchange in real estate transactions

For real property, 'like-kind' is broadly interpreted — any US real estate held for investment or business use qualifies. You can exchange an apartment building for raw land, a rental home for a commercial strip mall, or farmland for an office building. The properties just cannot be personal residences or property held primarily for sale (dealer property).
Boot is any value you receive in the exchange that is NOT like-kind property — typically cash or a reduction in mortgage debt. Boot is taxable in the year of the exchange, even if the overall exchange qualifies. To avoid boot, reinvest all net equity into the replacement property and take on equal or greater debt.
No. Section 1031 applies only to investment and business-use properties. Your primary residence qualifies for the Section 121 exclusion instead (up to $250,000/$500,000 exclusion). Some property that transitions between personal and investment use may qualify for partial benefits — consult a real estate attorney.
You have 45 days from the sale of your relinquished property to formally identify potential replacement properties in writing. You then have 180 days total (from the sale) to close on the replacement. These deadlines are absolute — missing them disqualifies the entire exchange and makes all gains immediately taxable.
Yes — this is a strict IRS requirement. You cannot receive or control the sale proceeds at any point between closings. A Qualified Intermediary (QI) holds the funds and facilitates the transfer. Your real estate attorney can recommend QIs and will work closely with them to structure the exchange correctly.

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