Free Tool
Short-Term RentalTax Exemption Simulator
Project your short-term rental owner hours to December 31 and see whether you materially participate under the IRS 500-hour, 100-hour, and substantially-all tests — the “STR loophole” that deducts rental losses against active income without Real Estate Professional Status.
Ready when you are
STR · Per-property
Enter the number of stays and your owner hours to evaluate the material-participation tests.
Jun 12, 2026Today
29 weeks
until the end of the year
45% of 2026 elapsed
Material hours—
0h
your hands-on owner hours
Other's hours—
0h
cleaners, co-hosts & managers
You only need to pass ONE test per property. Use the selector on each chart to flip from the all-property overview to a single property's month-by-month curve.
Stop guessing. Track every qualifying hour.
The simulator shows whether you're on pace. REP Helper logs the hours, builds IRS-ready documentation, and generates CPA-ready reports automatically.