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Depreciation Calculator

Depreciation is the value an item loses over time to age, wear and tear, or obsolescence. On a claim, it's the gap between replacement cost (RCV) and actual cash value (ACV).

The useful-life figures in this database are the ones adjusters use on contents and property claims. They aren't IRS or accounting schedules. Find the item below, enter its age and what it would cost to replace, and the calculator gives you the ACV.

Popular items also show what other users have entered for replacement cost: the median, the usual range, and, where there's enough data, how it differs by state. It isn't settlement data, and it doesn't change the depreciation rate. It's built from thousands of real calculations run on this site, so you can tell at a glance whether a replacement cost is in line with what others are using or worth a second look.


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