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Depreciation Analyzer. ACV vs RCV Math. interface
Calculator

Depreciation Analyzer. ACV vs RCV Math.

Calculate depreciation and ACV for common home components and contents.

RCV (full replacement)
$20,000
ACV (depreciated)
$12,000
Depreciation
$8,000
Depreciation rate
40.0%

Under RCV policies, carriers typically pay ACV upfront and release depreciation (the difference) after you complete repairs and provide proof. Under ACV policies, you receive only the depreciated amount. Verify your policy terms on the declarations page.

Calculate depreciation and ACV for common home components and contents.

Mechanism

How it works

Select item category, current replacement cost, and age. Tool uses IRS-standard life spans to calculate depreciation and ACV.

Output

What it tells you

Depreciation amount, ACV, and depreciation rate. Context for RCV policies.

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Step 1 of 6· Damage17%

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Reviewed: April 24, 2026

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  • Licensed Florida public adjusters
  • We work for policyholders, not insurance companies
  • No fee unless we recover more than you were offered
Step 1 of 6· Damage17%

What kind of damage?

Pick the closest match. We will ask for details later.

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