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Real estate tax status simulators

Free, interactive tools that project your rental hours to year-end and show whether you are on track to pass the IRS material-participation tests. Pick the simulator that matches your portfolio.

Free — no sign-up Runs in your browser, nothing leaves your device Built on the IRS material-participation rules
Live
Long-term rentals

Real Estate Professional Status Simulator

Project your real-estate hours to December 31 and see whether you are on pace to qualify as a Real Estate Professional — so rental losses can offset your active income.

  • 750-hour test
  • More-than-half (50%) test
  • 500-hour material participation
Open the simulatorLive
Short-term rentals

Short-Term Rental Tax Exemption Simulator

Model your short-term rental owner hours against the IRS material-participation tests — the "STR loophole" that deducts rental losses against active income without Real Estate Professional Status.

  • 500-hour test
  • 100-hour-and-more-than-anyone-else test
  • Substantially-all (90%) test
Open the simulator

Two rental strategies, two sets of IRS tests

Same goal: can my rental losses offset my active (W-2 & business) income this year?

Splits by how you rent
Long-term rentals
Real Estate Professional Status

Measured across all your real-estate work for the year.

  • 750-hour test
  • More-than-half (50%) test
  • 500-hour material participation
Short-term rentals
Short-term rental tax exemption

Just the rental itself — no professional-status hurdle.

  • 500-hour test
  • 100-hour (more than anyone else)
  • Substantially-all (90%) test

Both project your hours to December 31 so you can adjust before year-end — educational planning, not tax advice. See how REP Helper tracks the hours.

The simulator shows the odds. REP Helper proves them.

Once you know your target, REP Helper logs the hours, captures the evidence, and generates CPA-ready documentation automatically — so the numbers hold up if the IRS ever asks.