What could the tax-smart path be worth to you?
Move the sliders to see an illustrative before-and-after: how putting your income into real estate the right way could lower this year's tax bill and compound your net worth over time.
Illustrative only. Conservative assumptions (≈3.5% appreciation, 25% down; the market benchmark uses ≈7%). Not tax, legal, or investment advice.
Building a real-estate portfolio with Lattice101.
A $492k difference in favor of real estate.
Without that status, depreciation shelters the property's own rental income (a deferral), not your salary, the honest default for most high earners. It still lowers tax over time, and there is more we can do together.
How your net worth builds versus the market, with the illustrative tax benefit alongside.
| Year | Net worth (real estate) | Same money in market | Advantage | Tax benefit |
|---|---|---|---|---|
| Year 1 | $562k | $533k | $28k | $1,890 |
| Year 2 | $629k | $569k | $60k | $2,303 |
| Year 3 | $702k | $607k | $95k | $2,757 |
See all 10 years, and your full personalized illustration.
Join the WaitlistThis is an illustration. Want your real numbers, modeled with you and your CPA on real properties? Join the waitlist.
Join the WaitlistAn illustration, not a promise.
Real estate is one of the most tax-advantaged assets in the country. Depreciation lets you show a “paper” loss that can offset income, while the property itself appreciates and the loan gets paid down. This tool models that at deliberately conservative, round assumptions so you can see the shape of the opportunity.
Your real numbers depend on your specific situation, the property, a cost-segregation study, how the passive-activity rules apply to you, and your financing. That is exactly the work we do with you and your tax professional once you're a member. The calculator shows the direction. We help you find the real figure.
This calculator is provided for general educational and illustrative purposes only and does not constitute tax, legal, accounting, or investment advice, or a recommendation to buy any property or security. All figures are hypothetical estimates based on simplified, conservative assumptions and do not reflect any specific property, transaction, or individual's tax situation. Actual results will vary and may be materially different. Real estate involves risk, including possible loss of principal. Depreciation and cost-segregation benefits are subject to IRS rules, including passive-activity loss limitations, and depreciation may be recaptured on sale. Consult your own qualified tax, legal, and financial professionals before making any decision. Lattice101 is not a law firm, accounting firm, registered investment adviser, broker-dealer, or mortgage lender.