{"id":1369,"date":"2015-03-16T06:01:07","date_gmt":"2015-03-16T06:01:07","guid":{"rendered":"http:\/\/evergreensmallbusiness.com\/?p=1369"},"modified":"2015-05-18T18:35:15","modified_gmt":"2015-05-18T18:35:15","slug":"are-you-losing-money-by-using-sec-179-depreciation","status":"publish","type":"post","link":"https:\/\/evergreensmallbusiness.com\/are-you-losing-money-by-using-sec-179-depreciation\/","title":{"rendered":"Are You Losing Money By Using Sec. 179 Depreciation?"},"content":{"rendered":"
\"Picture<\/a>
Are you burning money with your depreciation expense accounting?<\/figcaption><\/figure>\n

If you’ve been in business for long, you probably know about the Sec. 179 election you can use to save taxes.<\/p>\n

Though you typically can\u2019t use Sec. 179 for real estate assets and you can\u2019t use its \u201cimmediate write-off\u201d accounting to create a loss, you can still aggressively use Sec. 179 elections to shelter business income and even wipe out your tax liability.<\/p>\n

In a nutshell, the Sec. 179 election lets you immediately write off the costs of most assets rather than depreciate the asset cost over years and years.<\/p>\n

Here\u2019s the awkward thing, though: If you’ve been going crazy using Sec. 179 depreciation, there\u2019s a very real possibility that you’ve been misusing it\u2014that you’ve been doing your Sec. 179 elections and depreciation accounting in a way that doesn’t save, but rather costs, you taxes.<\/p>\n

The Usual Sec. 179 Approach is Wrong<\/h2>\n

But let me explain.<\/p>\n

Assume that you’ve got a business that makes $100,000. Assume further than you buy a $100,000 piece of equipment that\u2019ll last for, oh, say five years.<\/p>\n

The Sec. 179 election allows you to write off the $100,000 of equipment all at once. Boom. And so, on your tax return, your business income shows as zero. And that tax accounting seems good.<\/p>\n

You won\u2019t owe any income or self-employment taxes.<\/p>\n

But probably you have only made an expensive mistake by using this \u201cwrite everything off at once\u201d approach.<\/p>\n

Note:<\/strong> In 2014, tax laws let you use a Sec. 179 election to write off up to $500,000 as long as you purchased less than $2,000,000 of qualifying property.<\/p>\n

The Problem in a Nutshell<\/h2>\n

The things that goof up people? A couple of boo-boos.<\/p>\n

First, people forget to look at the effect of the very low tax rates they pay on those first dollars of income.<\/p>\n

And then, second, people miss the relatively high tax rates they pay on those last dollars of income.<\/p>\n

For example, even if you are making $100,000 in your business, that first $20,000 or so of income you earn probably doesn\u2019t get taxed at all because of your deductions and personal exemptions.<\/p>\n

Using Sec. 179 depreciation to \u201cshelter\u201d that first $20,000 of income that won\u2019t even be taxed clearly produces zero benefit.<\/p>\n

And then remember that your first two tax brackets are pretty modest.<\/p>\n

After you blow past the point where deductions and exemptions shelter your income, you pay a 10% income tax rate on a chunk of your income (nearly a $20,000 chunk if you\u2019re married) and then a 15% income tax rate on a chunk of your income (nearly a $60,000 chunk if you\u2019re married).<\/p>\n

Using Sec. 179 depreciation to shelter income that would otherwise be taxed at 10% or 15% also usually isn\u2019t a very good use of the write-off either.<\/p>\n

Keep in mind, too, that tax credits may in fact wipe out the income taxes you pay on income within these bands.<\/p>\n

How to Optimize Sec. 179 Depreciation<\/h2>\n

Once you move beyond the point where deductions and exemptions shelter your income and pass the point where low tax rates make for a light burden, things get interesting.<\/p>\n

Why? Well, because where Sec. 179 depreciation really saves you money is when you can use it to shelter your most highly taxed income.<\/p>\n

In other words, you don\u2019t want to use $100,000 of Sec. 179 depreciation to drive your taxable income from $100,000 to $0. That\u2019ll only save you maybe $12K of income taxes, albeit all at one time. But that\u2019s wasteful.<\/p>\n

What you actually want to do is spread the $100,000 out over, say, five years. In other words, shelter $20,000 of income a year for five years. In this manner, you\u2019ll save only $4,000 or so a year\u2014but you\u2019ll enjoy five years of these savings.<\/p>\n

Spreading out the savings, then, means you save more like $20,000 in taxes rather than $12,000. And that\u2019s a lot better deal.<\/p>\n

Note:<\/strong> Even if you want to make a time value of money adjustment, you really can\u2019t justify using up all the depreciation at once. Not to get all technical on you, but spreading out the tax savings over a few years may been akin to earning 30% to $40% annually.<\/p>\n

Awkward Qualifications about My Accounting<\/h2>\n

Let me leave you with a handful of closing caveats and comments.<\/p>\n

First, note that I\u2019m being a little rough here in my accounting. Basically, I rounded all my numbers to the nearest thousand to make this little post easier to read.<\/p>\n

Second, you won\u2019t have perfect flexibility with your depreciation accounting. You will be constrained by tax laws in all sorts of little ways\u2014which will mean that you won\u2019t actually be able to perfectly spread the depreciation out in just the way you want.<\/p>\n

Third, you absolutely want to check the numbers or ask your accountant for the specifics of your situation. Usually, you want to smooth your income to save on income taxes. But the particular circumstances you find yourself in matter.<\/p>\n

For example, I\u2019m focusing on income taxes here but if you\u2019re over the Social Security threshold ($118,000 in 2015) or happen to be running some clever pension strategy, you might want to connect your Sec. 179 decisions with that other stuff.<\/p>\n

And a fourth and final comment: This business about using deductions to smooth your taxable income? That works for all sorts of deductions and not just Sec. 179 depreciation. Just so you know…<\/p>\n","protected":false},"excerpt":{"rendered":"

If you’ve been in business for long, you probably know about the Sec. 179 election you can use to save taxes. Though you typically can\u2019t use Sec. 179 for real estate assets and you can\u2019t use its \u201cimmediate write-off\u201d accounting to create a loss, you can still aggressively use Sec. 179 elections to shelter business […]<\/p>\n","protected":false},"author":1,"featured_media":1374,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[8,6,17,10],"tags":[],"class_list":{"0":"post-1369","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bookkeeping","8":"category-business-taxes","9":"category-corporate-taxation","10":"category-personal-finance","11":"entry"},"yoast_head":"\nAre You Losing Money By Using Sec. 179 Depreciation? - Evergreen Small Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/evergreensmallbusiness.com\/are-you-losing-money-by-using-sec-179-depreciation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are You Losing Money By Using Sec. 179 Depreciation?\" \/>\n<meta property=\"og:description\" content=\"If you’ve been in business for long, you probably know about the Sec. 179 election you can use to save taxes. 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