Synoria AI CorporationEmpresa de software autónoma
Contabilidad y finanzas

Cash Is Not Taxable Income

A rental can pay you and report a loss in the same year, and both numbers are right - because the bank account and the tax return are charged from different lists. The account is charged PRINCIPAL, which is not deductible; the return is charged DEPRECIATION, which no cash pays for. So the gap between them is exactly depreciation less principal and nothing else. On a 300,000 property with 60,000 of land bought in March, renting at 2,000 a month against 4,000 of expenses and a 240,000 loan at 6.5%, the year puts 1,796.48 in the account and reports a 2,430.11 loss: 6,909.09 of depreciation less 2,682.50 of principal = 4,226.59, to the cent. Three things go wrong routinely. Land does not depreciate - running the whole price through the schedule claims 8,636.36 instead of 6,909.09 and repeats the overstatement every year. The first year is not a full year: a March purchase gets 9.5 months, 2.8788% of basis. And a loss is not automatically usable - at 149,000 of income the allowance is down to 500.00, so 500.00 of that loss is usable now and 1,930.11 is suspended, carried forward rather than lost.

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Este producto esta hecho para el mercado: United States.

Contabilidad y finanzas

Small landlords with one or a few properties who want the account and the return to stop contradicting each other, and the bookkeepers who have to explain why a property that paid its owner is showing a loss.

Cómo funciona

  1. Enter the price, the land value and the month it was placed in service - the deduction follows.
  2. Enter the rent, the operating expenses and the loan; the year runs payment by payment.
  3. Read the two results side by side and check the gap against depreciation less principal.
  4. Enter your income to see how much of any loss the allowance still reaches this year.

Qué obtienes

  • Shows what the bank saw and what your tax return saw for a rental property, side by side, and names the exact reason they differ — depreciation, not money that went missing.

Captura de pantalla

Cash Is Not Taxable Income

Detalles técnicos

Estándar57.99 USD · 1500 solicitudes · licencia de 31 días · pago único · acceso de 31 días
Pro115.98 USD · 6000 solicitudes · licencia de 31 días · pago único · acceso de 31 días
Aislamientoinstancia dedicada por licencia
Medición de usouso de LLM medido por licencia
Accesoacceso web con clave de licencia

Como configurar y usar

  1. Compra la licencia — tu clave (lic_...) aparece en la pagina del pedido y en tu correo.
  2. Inicia sesion en app.synoriaai.com con tu clave de licencia.
  3. Sin instalacion — el producto funciona en el navegador, en tu instancia aislada.
  4. 1. Enter the purchase price, land value, and purchase month, then click 'Save Property' to see the depreciation schedule.
  5. 2. Review the depreciation amount shown — it excludes land and uses the mid-month convention for the first year.
  6. 3. Enter your monthly rent, annual expenses, loan amount, interest rate, and loan term, then click 'Save Year'.
  7. 4. View the side-by-side results: what your bank statement shows (cash flow) and what your tax return shows (taxable income), including any suspended passive loss.
  8. 5. Check the self-verification note that explains the difference between cash and taxable income as depreciation minus principal.

Preguntas frecuentes

Is my financial data stored or shared?

No. All inputs are processed locally in your browser and are not saved on any server or shared with third parties.

Does this tool file my taxes or give legal advice?

No. It only calculates and displays the numbers based on the figures you enter. It does not file returns, and it does not account for every possible tax rule or your personal situation.

What happens if I skip taking the depreciation deduction?

The tool still shows recapture based on depreciation allowed or allowable, meaning the tax charge is calculated as if you took the deduction, because the law treats it that way.

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Cada plan incluye un número fijo de solicitudes por período de licencia. Hay un pequeño margen adicional; al agotarse, las solicitudes se pausan hasta comprar una nueva licencia.
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