Actual cash value (ACV) depreciation calculator

Estimate how much an insurer will deduct for depreciation on a personal property item, and what you can recover on a replacement-cost policy.

Replacement cost (new), $ Age (years) Category Condition

How the calculation works

ACV = replacement cost − (replacement cost × age ÷ useful life). The result is adjusted slightly for condition and capped at a maximum depreciation. See the full depreciation schedule.

Calculating one item at a time?

LossList calculates depreciation for every item in your claim automatically and totals RCV and ACV by room.

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