Section 179 limits, 100% bonus depreciation, heavy SUV caps and asset loan cost (2025-2026, IRS).
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Calculates the exact monthly payment, total interest and first-year interest for an equipment, truck, tractor, RV, land, manufactured home, ATV, pontoon or other asset loan, and, for business assets, the after-tax cost: first-year tax saving from the Section 179 or bonus deduction plus deductible interest at your marginal rate, first-year net cash, and lifetime after-tax cost. Pair it with calculate_section_179 for the deduction amount.
Purchase price in USD.
Annual percentage rate, e.g. 7.5.
Loan term in months.
Type of asset, used to link the matching calculator page.
Down payment in USD. Default 0.
Combined marginal tax rate as a decimal, e.g. 0.30.
Business use share 0-100. Give this or marginal_tax_rate to get the after-tax cost.
Section 179 plus bonus deduction taken in year 1. Defaults to the full business share of the price.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
claude mcp add --transport http section-179-deduction-calculator-mcp https://section-179-deduction-calculator-mcp.lipmichal.workers.dev/mcp
Calculates the exact monthly payment, total interest and first-year interest for an equipment, truck, tractor, RV, land, manufactured home, ATV, pontoon or other asset loan, and, for business assets, the after-tax cost: first-year tax saving from the Section 179 or bonus deduction plus deductible interest at your marginal rate, first-year net cash, and lifetime after-tax cost. Pair it with calculate_section_179 for the deduction amount.
| Argument | Type | Description |
|---|---|---|
| price* | number | Purchase price in USD. |
| asset_type | string | Type of asset, used to link the matching calculator page. |
| apr_percent* | number | Annual percentage rate, e.g. 7.5. |
| term_months* | integer | Loan term in months. |
| down_payment | number | Down payment in USD. Default 0. |
| marginal_tax_rate | number | Combined marginal tax rate as a decimal, e.g. 0.30. |
| business_use_percent | number | Business use share 0-100. Give this or marginal_tax_rate to get the after-tax cost. |
| first_year_deduction | number | Section 179 plus bonus deduction taken in year 1. Defaults to the full business share of the price. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"price",
"apr_percent",
"term_months"
],
"properties": {
"price": {
"type": "number",
"maximum": 100000000000,
"minimum": 0,
"description": "Purchase price in USD."
},
"asset_type": {
"enum": [
"equipment",
"tractor",
"semi_truck",
"commercial_truck",
"commercial_vehicle",
"farm",
"aircraft",
"trailer",
"rv",
"motorcycle",
"land",
"manufactured_home",
"atv",
"utv",
"pontoon",
"other"
],
"type": "string",
"description": "Type of asset, used to link the matching calculator page."
},
"apr_percent": {
"type": "number",
"maximum": 60,
"minimum": 0,
"description": "Annual percentage rate, e.g. 7.5."
},
"term_months": {
"type": "integer",
"maximum": 480,
"minimum": 1,
"description": "Loan term in months."
},
"down_payment": {
"type": "number",
"maximum": 100000000000,
"minimum": 0,
"description": "Down payment in USD. Default 0."
},
"marginal_tax_rate": {
"type": "number",
"maximum": 0.6,
"minimum": 0,
"description": "Combined marginal tax rate as a decimal, e.g. 0.30."
},
"business_use_percent": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Business use share 0-100. Give this or marginal_tax_rate to get the after-tax cost."
},
"first_year_deduction": {
"type": "number",
"maximum": 100000000000,
"minimum": 0,
"description": "Section 179 plus bonus deduction taken in year 1. Defaults to the full business share of the price."
}
},
"additionalProperties": false
}Finds the special (bonus) depreciation rate under IRC 168(k) from the acquisition and placed-in-service dates and applies it after any Section 179 deduction. The One Big Beautiful Bill Act made it 100% permanently for property acquired after January 19, 2025 (written binding contract date), with an election to take 40% (60% for long production property and certain aircraft) in the first tax year ending after that date. Property acquired before January 20, 2025 keeps the TCJA phase-down: 40% if placed in service in 2025 (60% long production). Rules from IRS Notice 2026-11, the 2025 Form 4562 instructions and Pub. 946.
| Argument | Type | Description |
|---|---|---|
| elect_out | boolean | True if you elect out of bonus depreciation for this class of property. |
| acquired_date* | string | Acquisition date, YYYY-MM-DD. Use the date a written binding contract was signed if earlier than delivery. |
| depreciable_basis* | number | Depreciable basis (business share of cost) in USD. |
| elect_reduced_rate | boolean | True to elect 40% (60%) instead of 100% for property acquired after Jan 19, 2025 and placed in service in the first tax year ending after that date. |
| section_179_deduction | number | Section 179 amount already taken on this property; bonus applies to what is left. |
Calculates the Section 179 expense deduction as Form 4562 Part I does, with the limits raised by the One Big Beautiful Bill Act: $2,500,000 for 2025 with a dollar-for-dollar phase-out above $4,000,000 of section 179 property (2025 Form 4562 instructions, Pub. 946), and $2,560,000 / $4,090,000 for 2026 (Rev. Proc. 2025-32 section 4.24). Applies the business income limit and reports the carryover. 2027 limits are not published yet (checked 2026-11-02) and the tool says so.
| Argument | Type | Description |
|---|---|---|
| tax_year* | integer | Tax year the property is placed in service: 2025 or 2026. |
| elected_cost | number | Amount you elect to expense. Defaults to the most allowed. |
| business_taxable_income | number | Taxable income from the active conduct of your trades or businesses, including wages (Form 4562 line 11). Leave out to skip the income limit. |
| total_section_179_property_cost* | number | Total cost of all section 179 property placed in service in the year (Form 4562 line 2). |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"tax_year",
"total_section_179_property_cost"
],
"properties": {
"tax_year": {
"type": "integer",
"maximum": 2027,
"minimum": 2025,
"description": "Tax year the property is placed in service: 2025 or 2026."
},
"elected_cost": {
"type": "number",
"maximum": 100000000000,
"minimum": 0,
"description": "Amount you elect to expense. Defaults to the most allowed."
},
"business_taxable_income": {
"type": "number",
"maximum": 100000000000,
"minimum": -100000000000,
"description": "Taxable income from the active conduct of your trades or businesses, including wages (Form 4562 line 11). Leave out to skip the income limit."
},
"total_section_179_property_cost": {
"type": "number",
"maximum": 100000000000,
"minimum": 0,
"description": "Total cost of all section 179 property placed in service in the year (Form 4562 line 2)."
}
},
"additionalProperties": false
}Returns the first-year write-off limits for a business vehicle by gross vehicle weight rating: passenger automobiles of 6,000 lb or less are held to the IRC 280F caps ($20,300 first year with bonus, $12,300 without, for 2026 per Rev. Proc. 2026-15; $20,200 / $12,200 for 2025 per Rev. Proc. 2025-16), heavy SUVs over 6,000 and up to 14,000 lb have a Section 179 cap of $31,300 (2025) or $32,000 (2026) with bonus depreciation for the rest, and vehicles over 14,000 lb or exempt designs have no vehicle cap. Applies the more-than-50% business use rule and scales by business use.
| Argument | Type | Description |
|---|---|---|
| cost | number | Vehicle cost in USD. |
| gvwr_lbs* | number | Gross vehicle weight rating in pounds (driver door sticker). |
| tax_year* | integer | Year placed in service: 2025 or 2026. |
| bonus_eligible | boolean | False if bonus depreciation is not taken (elected out). Default true. |
| exempt_from_suv_cap | boolean | True for a 6,001-14,000 lb vehicle that seats more than nine behind the driver, has a cargo bed of at least 6 feet, or is an enclosed cargo van. |
| business_use_percent | number | Business use share, 0-100. Default 100. |
We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 2, 2026.
| placed_in_service_date* |
| string |
| Date the property was placed in service, YYYY-MM-DD. |
| long_production_or_aircraft | boolean | True for long production period property or certain noncommercial aircraft. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"acquired_date",
"placed_in_service_date",
"depreciable_basis"
],
"properties": {
"elect_out": {
"type": "boolean",
"description": "True if you elect out of bonus depreciation for this class of property."
},
"acquired_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Acquisition date, YYYY-MM-DD. Use the date a written binding contract was signed if earlier than delivery."
},
"depreciable_basis": {
"type": "number",
"maximum": 100000000000,
"minimum": 0,
"description": "Depreciable basis (business share of cost) in USD."
},
"elect_reduced_rate": {
"type": "boolean",
"description": "True to elect 40% (60%) instead of 100% for property acquired after Jan 19, 2025 and placed in service in the first tax year ending after that date."
},
"section_179_deduction": {
"type": "number",
"maximum": 100000000000,
"minimum": 0,
"description": "Section 179 amount already taken on this property; bonus applies to what is left."
},
"placed_in_service_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Date the property was placed in service, YYYY-MM-DD."
},
"long_production_or_aircraft": {
"type": "boolean",
"description": "True for long production period property or certain noncommercial aircraft."
}
},
"additionalProperties": false
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"tax_year",
"gvwr_lbs"
],
"properties": {
"cost": {
"type": "number",
"maximum": 100000000000,
"minimum": 0,
"description": "Vehicle cost in USD."
},
"gvwr_lbs": {
"type": "number",
"maximum": 200000,
"minimum": 0,
"description": "Gross vehicle weight rating in pounds (driver door sticker)."
},
"tax_year": {
"type": "integer",
"maximum": 2027,
"minimum": 2025,
"description": "Year placed in service: 2025 or 2026."
},
"bonus_eligible": {
"type": "boolean",
"description": "False if bonus depreciation is not taken (elected out). Default true."
},
"exempt_from_suv_cap": {
"type": "boolean",
"description": "True for a 6,001-14,000 lb vehicle that seats more than nine behind the driver, has a cargo bed of at least 6 feet, or is an enclosed cargo van."
},
"business_use_percent": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Business use share, 0-100. Default 100."
}
},
"additionalProperties": false
}