Actual Cash Value Calculator

Your details

Selecting a category pre-fills the expected lifespan with a typical insurance guideline value.
The cost to replace the item brand-new at today's prices.
USD
How old the item is today in years.
years
The total useful life of the item as used by your insurer. Pre-filled from the category selection.
years
Straight-line is the standard method used by most insurers. Declining-balance methods front-load depreciation, which better reflects items like electronics that lose value quickly.
The minimum residual value as a percentage of replacement cost (0 to 50). Use this when the item retains scrap or trade-in value even at end-of-life.
%
Currency
Actual Cash ValueModerate depreciation
18,181.82USD

What insurance would pay for your item today

Total depreciation6,818.18USD
Depreciation rate27.3%
Annual depreciation2,272.73USD
Remaining life8years
27.3% %
Low<25%Moderate25%-60%High60%+

Insurance payout estimate: $18,182

  • Your item has depreciated 27.3% of its replacement cost, representing $6,818 in lost value.
  • With 8.0 years of useful life remaining, the insurer assigns $18,182 as the payout.
  • Replacement cost (RC) coverage pays for a new item without deducting depreciation and typically costs more in premiums but prevents out-of-pocket losses.

Next stepIf your insurer uses straight-line depreciation, this is the standard payout formula. Request an itemized depreciation schedule to verify their calculation matches this result.

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