Run the math your insurer already ran on you — in your browser, nothing uploaded.
Two different things share the words "depreciation calculator" online: tax tools (for rental-property and business depreciation write-offs) and this one — the insurance holdback on your claim. If your question is "my insurer held back money on my claim — how much, and until when," you're in the right place.
Tell it your state and the numbers on the insurer's own estimate. It does the subtraction, then measures your policy's clock against your state's legal floor — the deadline your insurer may not be telling you about. No login, nothing uploaded; it runs on this page, in your browser.
We never ask you to upload your policy or your declarations page — not here, not anywhere. Anyone who asks for your insurer-portal password while offering to help with a claim is running a scam.
Held back = replacement-cost estimate − deductible − the first check. That's the whole equation. On a $20,000 estimate with a $1,000 deductible and a $10,000 first check, $9,000 is held. When the deductible was already taken out of the first check (the common case), the holdback is simply what the estimate promises minus what you've received. The checker above does the subtraction and then does the part no spreadsheet does: it compares your policy's 180-day clock against your state's legal floor and tells you which deadline is real.
The five outputs that matter: dollars held · the real deadline (state floor vs. policy clock) with days left · whether your state bans depreciating labor · whether your state has a matching rule · the next document to send. None of it requires uploading anything — the math happens in this page.
| Line | Amount |
|---|---|
| Full replacement-cost estimate | $20,000 |
| Depreciation withheld on the estimate | $8,000 |
| Deductible | $2,000 |
| First check (estimate − depreciation − deductible) | $10,000 |
| Held back, released on completion | $8,000 |
The worked example used in consumer explainers (The Zebra's recoverable-depreciation walkthrough, checked Oct 20, 2026). Note the deductible came out of the first check in this example — which is why the holdback equals the withheld depreciation exactly. Your checker result handles both shapes.