30-yr fixed 6.43% ▾ 0.06 wk

15-yr fixed 5.79% ▾ 0.04 wk

HELOC avg 7.90% — no change

Auto 60-mo new 6.82% ▴ +0.03 mo

Personal 24-mo 11.57% ▾ 0.12 qtr

Credit card APR 21.52% ▴ +0.09 qtr

as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)

Business Calculators

Like Kind Exchange Calculator

A 1031 exchange lets you defer capital gains tax by reinvesting in like-kind property. See your realized, recognized (taxable) and deferred gain.

Inputs

Relinquished property value

Your adjusted basis in it

Replacement property value

Cash or non-like property received (boot)

Capital gains tax rate

Estimates only. Change any value to recalculate instantly.

Gain you defer $200,000 deferring about $40,000 of tax

Realized gain $200,000

Recognized (taxable now) $0 $0 tax

Deferred gain $200,000

New property basis $320,000

Your gain

Deferred $200k
Taxable now (boot) $0

A 1031 exchange defers, not erases, the gain — it carries into a lower basis on the replacement property. Any "boot" (cash or non-like-kind property received) is taxable now. Strict timing rules apply: 45 days to identify and 180 days to close.

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.