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Personal finance glossary

Section 179 deduction

Definition

A tax provision that lets a business deduct the full cost of qualifying equipment, machinery, vehicles, software, and certain building improvements in the year they are put into use, instead of depreciating the cost over several years. The deduction is limited to the business's taxable income for the year, so it cannot create a loss, and it is subject to an annual dollar cap the IRS adjusts, with tighter limits for passenger vehicles.

Why it matters

Section 179 does not create a bigger deduction, it moves it earlier: the same total is deducted either way, but a large deduction now is worth more than the same deduction spread over seven years. The equipment has to be used more than half for business, and selling it early can claw part of the deduction back.

Example

A contractor buys a $40,000 work truck and $10,000 of tools and puts both to use in December. With Section 179 she deducts the full $50,000 that year rather than roughly $7,000 to $10,000 a year under normal depreciation, and at an assumed 30% combined rate that is $15,000 of tax saved now instead of dribbled out over the better part of a decade.

Put it into practice

Related terms

This definition is educational, not financial, legal, or tax advice. U.S. rules and limits change; verify time-sensitive details with official sources. See our disclaimer.

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