What is a 1031 exchange calculator?

A 1031 exchange calculator is a free online tool that helps you compute deferred gain, recognized gain, and new basis for a §1031 like-kind exchange. §1031 (post-2018 for real property only) defers gains; boot received triggers recognition up to boot. It runs entirely in your browser with instant results and no sign-up.

Is this a substitute for a lender's pre-approval?

No — actual loan terms depend on credit, income docs, and lender underwriting. Use this for planning and what-if scenarios; get a real Loan Estimate before making decisions.

Do calculations include taxes and insurance?

When the calculator asks for them. PITI calculations include property tax, insurance, and PMI; raw P&I calculations don't.

Why does my actual payment differ?

Lenders round payment amounts and may include escrow buffers. Property tax and insurance change over time. Real payments vary 1-5% from these estimates.

Free 1031 exchange calculator | Calculators Cloud

How it's calculated

How the 1031 exchange works

§1031 (post-2018 for real property only) defers gains; boot received triggers recognition up to boot.

realized = FMV + boot − basis − boot paid

recognized = min(realized, boot received)

Source: standard mortgage / personal finance formulas.

Accuracy

How accurate is this 1031 exchange?

Every formula on this site comes from an established, published source for its field — standard references in mathematics, finance, health, and engineering, not invented in-house. The math is implemented as a pure TypeScript function and tested against published reference values before going live. See the Methodology page for the full sourcing process.

Results are mathematically correct for the inputs provided. They are estimates only— real-world outcomes depend on factors specific to your situation, such as fees, taxes, timing, local rules, and assumptions that can change after the calculation date. See the Disclaimer for the limits on what to rely on a result for.

These pair naturally with this one for decisions that sit nearby.

Questions

Frequently asked questions about the free 1031 exchange calculator

What is a 1031 exchange calculator?
A 1031 exchange calculator is a free online tool that helps you compute deferred gain, recognized gain, and new basis for a §1031 like-kind exchange. §1031 (post-2018 for real property only) defers gains; boot received triggers recognition up to boot. It runs entirely in your browser with instant results and no sign-up.
Is this a substitute for a lender's pre-approval?
No — actual loan terms depend on credit, income docs, and lender underwriting. Use this for planning and what-if scenarios; get a real Loan Estimate before making decisions.
Do calculations include taxes and insurance?
When the calculator asks for them. PITI calculations include property tax, insurance, and PMI; raw P&I calculations don't.
Why does my actual payment differ?
Lenders round payment amounts and may include escrow buffers. Property tax and insurance change over time. Real payments vary 1-5% from these estimates.

Free 1031 exchange calculator