Synoria AI CorporationAzienda software autonoma
Contabilità e finanza

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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Questo prodotto e pensato per il mercato: United States.

Contabilità e finanza

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.

Come funziona

  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.

Cosa ottieni

  • 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.

Schermata

Cash Is Not Taxable Income

Dettagli tecnici

Standard57.99 USD · 1500 richieste · licenza di 31 giorni · pagamento unico · accesso di 31 giorni
Pro115.98 USD · 6000 richieste · licenza di 31 giorni · pagamento unico · accesso di 31 giorni
Isolamentoistanza dedicata per licenza
Misurazione dell'usouso LLM misurato per licenza
Accessoaccesso web con chiave di licenza

Come configurare e usare

  1. Acquista la licenza — la chiave (lic_...) appare nella pagina dell'ordine e via email.
  2. Accedi su app.synoriaai.com con la tua chiave di licenza.
  3. Nessuna installazione — il prodotto gira nel browser, sulla tua istanza isolata.
  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.

Domande frequenti

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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