Property Depreciation Calculator

A building is a machine with a clock. The bricks and mortar, the wiring and the plumbing all start degrading the day the keys turn, while the land under them quietly holds or grows its value. Pricing property honestly means untangling the two - and the structure side is aging arithmetic.

Property Depreciation Calculator takes the current market value, splits it into land and building by a land ratio you set, then depreciates the building share on a reducing-balance basis by construction quality and age. Maintenance adjusts the effective age; the result is the structure value today, the value lost, and the gap to replacement cost.

Use it when you are valuing a resale, negotiating an aged property, or planning whether a repair is worth doing this year. Everything runs in the browser; nothing is uploaded.

• Land split: A land ratio separates value held by the ground from the structure that wears.
• Construction quality: Masonry, RCC frame and temporary presets set a realistic annual rate.
• Reducing balance: Front-loads the loss where it actually happens in the first years.
• Maintenance adjust: A well-kept house ages in slow motion; upkeep discounts the effective age.
• Replacement gap: Current rebuild cost vs depreciated value shows what wear really costs.
• Per-sq-ft view: Depreciated value expressed in your area input.
• Live report: Value, loss and replacement math update as you type.
• Export: Copy or download the valuation notes as text, CSV or JSON.
• Learning guide: Depreciation methods, quality rates and when renovation pays.

1. Enter current market value and the built-up area.
2. Set the land ratio - how much of the value is the ground (commonly 40-60%).
3. Pick construction quality - masonry, RCC frame or temporary/mixed.
4. Enter the building age in years.
5. Set maintenance - poor, average, good, excellent - to adjust the effective age.
6. Enter replacement cost if you know the rebuild price (optional).
7. Read the structure value, the value lost, and the per-sq-ft number.
8. Export the valuation notes.

Example 1 - 15-year RCC flat. Rs 1.2 crore total, 50% land, good maintenance: the building share depreciates modestly and the combined value stays close to market.

Example 2 - 30-year masonry house. High land ratio 60%: even with heavy structure depreciation the land carries most of the value.

Example 3 - Neglected duplex. Poor maintenance makes a 20-year building behave like 28, accelerating the loss.

Example 4 - Replacement gap. Rebuild at Rs 90 lakh vs a depreciated structure of Rs 45 lakh - the 45 lakh gap is the wear you finance or defer.

Example 5 - New-ish apartment. A 5-year RCC build at 10% structure share loses little; the per-sq-ft value tracks the area almost untouched.

• Age with honesty: The structure answer, not a blanket haircut on the whole property.
• Land stays untouched: The ground value is preserved in the math the way it is in the market.
• Quality matters: Masonry and RCC rates differ for a reason - the model respects it.
• Maintenance is visible: Upkeep becomes a number that changes the outcome.
• Replacement thinking: The rebuild gap frames whether renovation is the move.
• Export-ready: Text, CSV and JSON notes drop into negotiation or planning.
• Free and private: No uploads, no accounts, no logging.