For Pharma & Biotech Executives
REPS Tax Savings Calculator
If your spouse qualifies for Real Estate Professional Status, passive losses from syndication investments can offset your W-2 income. See what that's worth on your numbers.
Your Situation
Year 1 Tax Savings
$74,813
Sheltering $175,000 of income at your combined marginal rate of 42.8%.
Breakdown
- Invested
- $250,000
- Year 1 passive losses (70% bonus depreciation)
- $175,000
- Income sheltered
- $175,000
- Federal marginal rate
- 32.0%
- State marginal (NJ)
- 10.75%
- Combined rate
- 42.8%
Comparisons
- Year 1 tax savings (this strategy)
- $74,813
- Equivalent pre-tax raise
- $130,677
- Maxing 401(k) at $23,500
- $10,046
- 5-year cumulative (this strategy)
- $374,063
- 5-year cumulative (401(k) only)
- $50,231
Get the full breakdown + an intro call
We'll email your numbers and offer 20 minutes to walk through how this fits your specific RSU + W-2 picture.
Informational only. Not tax, legal, or investment advice. REPS qualification requires material participation and annual documentation. Passive loss rules, bonus depreciation schedules, and state tax rates change — consult your CPA before acting. Figures assume a value-add multifamily syndication with cost segregation under current (2025) IRS guidance.