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Concession Recapture Calculator

Concession recapture clauses protect landlords from tenants who use a free month to move in then break the lease early. The unamortized portion of the concession becomes immediately due on early termination. This calculator computes how much is owed at any given month.

Concession given (months free)

Monthly rent

Lease term (months)

Early termination at month

0 = no early termination

Total concession given

$1,850

Concession amortized / mo

$154

Collected to early-term date

$1,233

Unrecaptured concession

$617

Recapture clause owed

How the math works

Concession recapture clauses (in many leases) trigger if a tenant breaks the lease early — the unamortized portion of the concession becomes immediately due. A 1-month free rent on a 12-month lease amortizes to $154/mo — early termination at month 8 leaves $617 unrecaptured.

Without a recapture clause, landlords just lose the concession value. Always include in lease language for any deal with concessions over 1 month.

Editorial noteMaintained by EveryCalc - Reviewed June 2026

EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.

Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.

Learn more about our review process on the EveryCalc methodology page.

How this calculator works

What this page estimates

This Concession Recapture Calculator is built to give a quick, browser-based estimate for concession recapture. Concession recapture clauses protect landlords from tenants who use a free month to move in then break the lease early. The unamortized portion of the concession becomes immediately due on early termination. This calculator computes how much is owed at any given month. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.

Calculation approach

The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.

Example workflow

For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.

Practical checks

Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
Run a low, base, and high case when the inputs are estimates.
Check the related calculators below when the next decision depends on a different assumption.

How to interpret the concession recapture result

Best use

Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.

Cross-check

Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.

Watch for

Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.

This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.

Before relying on this concession recapture estimate

Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.

Confirm source numbers

Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.

Separate cash flow from total cost

A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.

Run conservative cases

Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.

Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.

How to Use

Enter concession given (months free) and monthly rent.
Enter lease term in months.
Enter the early termination month (or leave at full term).
Read total concession, amortization, and unrecaptured amount.

Frequently Asked Questions

Recapture vs liquidated damages?

Recapture is the unamortized concession; liquidated damages are typically additional rent owed (often 1-3 months). Some leases combine both for early termination penalty.

Where to put recapture clause?

Lease addendum titled 'Concession Recapture' with explicit dollar amount and amortization schedule. Tenant signature required. Court-enforceability requires clear disclosure at lease signing.

Tenant pushback?

Common — tenants want to walk away with no penalty. Negotiate by capping recapture at 50% of unamortized amount, or letting recapture pro-rate over a longer minimum stay.