Actual Cash Value Calculator
Subtract depreciation from the replacement cost to find the actual cash value of an insured item.
- Free
- No sign-up
Enter replacement cost and depreciation to see the actual cash value.
Worked example
With these example inputs:
- Replacement cost$2,000
- Depreciation$800
Actual cash value: $1,200
- As a share of the total60.0%
- If the first figure were 10% higher$1,400
Frequently asked questions
How is actual cash value calculated?
Subtract accumulated depreciation from the cost to replace the item new. A $2,000 replacement cost with $800 of depreciation gives an actual cash value of $1,200.
How does it differ from replacement cost cover?
Actual cash value pays out the depreciated worth, so older items pay less. Replacement cost cover pays to buy new, without subtracting wear and age.