Depreciation calculator for your belongings
For household items on an insurance claim, not taxes. Enter what an item costs new today, how old it is and what kind of thing it is, and see how much is likely to come off for age.
- Taken off for age
- $359.60
- What it's worth used (actual cash value)
- $539.40
$899.00 × (2 ÷ 5) = $359.60
An estimate using our expected lives. Insurers use their own tables, so their figure can differ.
On a replacement cost policy, the $359.60 is usually held back until you replace the item, not taken away. How to get it back
Do this for everything you own
Indemnia works out these figures for every item, from your receipts and photos. It's free to begin, and there's no card.
Expected life by kind of item
| Kind of item | Expected life |
|---|---|
| Electronics | 5 years |
| Clothing | 5 years |
| Toys | 5 years |
| Sporting goods | 8 years |
| Appliances | 10 years |
| Tools | 10 years |
| Kitchenware | 10 years |
| Books | 10 years |
| Documents | 10 years |
| Anything else | 10 years |
| Furniture | 15 years |
| Firearms | 20 years |
| Jewelry | 25 years |
| Silverware | 25 years |
| Art | 50 years |
| Collectibles | 50 years |
The same table our loss reports use. Your insurer may use different lives.