Where your rent goes, year after year — T2 in Melun — SCI à l’IS · ID 01SCI ISRent split → money lost / capital repaid / cash kept
This page shows where each year's rent goes: the money lost, the capital repaid and the cash kept after tax. Result for year 1: of €10,155 rent, €7,201 is lost, €3,533 repays the loan and €580 of cash after tax is missing (paid from your pocket) — profit €2,953, 29.08% of the rent.
Where each number comes from
Each link opens the page that calculates that figure.
- Rent kept after all costs (cash flow) Cash Flow
- Company tax paid each year IS Ledger
- Loan paid off (equity built) Equity from Loan
Part 1. From the rent to the money lostLost_t = running costs + loan interest + tax of the year
The running costs and the loan interest are the ones of the cash flow page; the tax of the year comes from the corporate tax (IS) page. Added together they are the red top part of each bar: money that is spent and never comes back.
| Year | Rent of the year1 | Loan interest | Borrower insurance | Taxe foncière | Co-ownership charges | Home insurance, accountant, bank fees2 | Yearly repairs | Corporate tax (IS) of the year3 | Money lost4 |
|---|---|---|---|---|---|---|---|---|---|
| 1 | €10,155 | €2,631 | €96 | €1,848 | €1,512 | €480 | €635 | €0 | €7,201 |
| 2 | €10,256 | €2,550 | €96 | €1,885 | €1,542 | €480 | €641 | €0 | €7,194 |
| 3 | €10,359 | €2,467 | €96 | €1,923 | €1,573 | €480 | €647 | €0 | €7,186 |
| 4 | €10,462 | €2,382 | €96 | €1,961 | €1,605 | €480 | €654 | €0 | €7,177 |
| 5 | €10,567 | €2,295 | €96 | €2,000 | €1,637 | €480 | €660 | €0 | €7,169 |
| 6 | €10,672 | €2,206 | €96 | €2,040 | €1,669 | €480 | €667 | €0 | €7,159 |
| 7 | €10,779 | €2,116 | €96 | €2,081 | €1,703 | €480 | €674 | €0 | €7,149 |
| 8 | €10,887 | €2,023 | €96 | €2,123 | €1,737 | €480 | €680 | €0 | €7,139 |
| 9 | €10,996 | €1,928 | €96 | €2,165 | €1,772 | €480 | €687 | €0 | €7,128 |
| 10 | €11,106 | €1,831 | €96 | €2,209 | €1,807 | €480 | €694 | €0 | €7,116 |
| 11 | €11,217 | €1,731 | €96 | €2,253 | €1,843 | €480 | €701 | €0 | €7,104 |
| 12 | €11,329 | €1,630 | €96 | €2,298 | €1,880 | €480 | €708 | €0 | €7,091 |
| 13 | €11,442 | €1,526 | €96 | €2,344 | €1,918 | €480 | €715 | €0 | €7,078 |
| 14 | €11,557 | €1,419 | €96 | €2,391 | €1,956 | €480 | €722 | €0 | €7,064 |
| 15 | €11,672 | €1,310 | €96 | €2,438 | €1,995 | €480 | €730 | €0 | €7,049 |
| 16 | €11,789 | €1,199 | €96 | €2,487 | €2,035 | €480 | €737 | €0 | €7,034 |
| 17 | €11,907 | €1,085 | €96 | €2,537 | €2,076 | €480 | €744 | €0 | €7,018 |
| 18 | €12,026 | €969 | €96 | €2,588 | €2,117 | €480 | €752 | €0 | €7,001 |
| 19 | €12,146 | €850 | €96 | €2,639 | €2,160 | €480 | €759 | €0 | €6,984 |
| 20 | €12,268 | €728 | €96 | €2,692 | €2,203 | €480 | €767 | €251 | €7,216 |
| 21 | €12,390 | €603 | €96 | €2,746 | €2,247 | €480 | €774 | €352 | €7,298 |
| 22 | €12,514 | €476 | €96 | €2,801 | €2,292 | €480 | €782 | €373 | €7,300 |
| 23 | €12,639 | €345 | €96 | €2,857 | €2,338 | €480 | €790 | €395 | €7,301 |
| 24 | €12,766 | €212 | €96 | €2,914 | €2,384 | €480 | €798 | €417 | €7,301 |
| 25 | €12,894 | €75 | €96 | €2,972 | €2,432 | €480 | €806 | €440 | €7,301 |
Part 2. A loan payment splits into interest and capitalPayment = Interest + Principal (+ Insurance); Profit = Principal + Cash flow
Only the interest part of the loan payment is lost; the capital repaid lowers what you owe the bank, so it is yours. That is why the profit (rent − costs) is larger than the cash flow by exactly the capital repaid.
| Year | Loan interest | Capital repaid1 | Cash flow (before tax)2 | Profit (before tax)3 |
|---|---|---|---|---|
| 1 | €2,631 | €3,533 | -€580 | €2,953 |
| 2 | €2,550 | €3,614 | -€552 | €3,062 |
| 3 | €2,467 | €3,697 | -€524 | €3,173 |
| 4 | €2,382 | €3,781 | -€497 | €3,285 |
| 5 | €2,295 | €3,868 | -€470 | €3,398 |
| 6 | €2,206 | €3,957 | -€444 | €3,513 |
| 7 | €2,116 | €4,048 | -€418 | €3,630 |
| 8 | €2,023 | €4,141 | -€392 | €3,748 |
| 9 | €1,928 | €4,236 | -€368 | €3,868 |
| 10 | €1,831 | €4,333 | -€343 | €3,989 |
| 11 | €1,731 | €4,432 | -€319 | €4,113 |
| 12 | €1,630 | €4,534 | -€296 | €4,238 |
| 13 | €1,526 | €4,638 | -€274 | €4,364 |
| 14 | €1,419 | €4,744 | -€251 | €4,493 |
| 15 | €1,310 | €4,853 | -€230 | €4,623 |
| 16 | €1,199 | €4,964 | -€209 | €4,755 |
| 17 | €1,085 | €5,078 | -€189 | €4,889 |
| 18 | €969 | €5,195 | -€170 | €5,025 |
| 19 | €850 | €5,314 | -€151 | €5,163 |
| 20 | €728 | €5,436 | -€133 | €5,302 |
| 21 | €603 | €5,560 | -€116 | €5,444 |
| 22 | €476 | €5,688 | -€100 | €5,588 |
| 23 | €345 | €5,818 | -€84 | €5,734 |
| 24 | €212 | €5,952 | -€70 | €5,882 |
| 25 | €75 | €6,088 | -€56 | €6,032 |
Part 3. What is left for you: capital repaid + cash = profitRent = Lost + Principal + Cash after tax; share kept = Profit after tax ÷ Rent
The cash kept after tax is the cash flow minus the tax of the year. What is left for you, the profit after tax, is the capital repaid plus that cash — the top of the green part of the bar — and equally the rent minus the money lost. The share of the rent you keep is that profit divided by the rent, shown next to the year when you point at the chart.
- Rent of the year€10,155
- −Money lost€7,201
- =Profit after tax€2,953
- Capital repaid€3,533
- +Cash kept after tax(-€580)
- =Profit after tax€2,953
Year 1: €2,953 of the €10,155 rent stays yours — 29.08% of the rent.
| Year | Rent of the year | Money lost1 | Capital repaid | Corporate tax (IS) of the year2 | Cash kept after tax3 | Profit after tax4 | Share of the rent you keep5 |
|---|---|---|---|---|---|---|---|
| 1 | €10,155 | €7,201 | €3,533 | €0 | -€580 | €2,953 | 29.08% |
| 2 | €10,256 | €7,194 | €3,614 | €0 | -€552 | €3,062 | 29.86% |
| 3 | €10,359 | €7,186 | €3,697 | €0 | -€524 | €3,173 | 30.63% |
| 4 | €10,462 | €7,177 | €3,781 | €0 | -€497 | €3,285 | 31.40% |
| 5 | €10,567 | €7,169 | €3,868 | €0 | -€470 | €3,398 | 32.16% |
| 6 | €10,672 | €7,159 | €3,957 | €0 | -€444 | €3,513 | 32.92% |
| 7 | €10,779 | €7,149 | €4,048 | €0 | -€418 | €3,630 | 33.68% |
| 8 | €10,887 | €7,139 | €4,141 | €0 | -€392 | €3,748 | 34.43% |
| 9 | €10,996 | €7,128 | €4,236 | €0 | -€368 | €3,868 | 35.18% |
| 10 | €11,106 | €7,116 | €4,333 | €0 | -€343 | €3,989 | 35.92% |
| 11 | €11,217 | €7,104 | €4,432 | €0 | -€319 | €4,113 | 36.66% |
| 12 | €11,329 | €7,091 | €4,534 | €0 | -€296 | €4,238 | 37.40% |
| 13 | €11,442 | €7,078 | €4,638 | €0 | -€274 | €4,364 | 38.14% |
| 14 | €11,557 | €7,064 | €4,744 | €0 | -€251 | €4,493 | 38.87% |
| 15 | €11,672 | €7,049 | €4,853 | €0 | -€230 | €4,623 | 39.61% |
| 16 | €11,789 | €7,034 | €4,964 | €0 | -€209 | €4,755 | 40.33% |
| 17 | €11,907 | €7,018 | €5,078 | €0 | -€189 | €4,889 | 41.06% |
| 18 | €12,026 | €7,001 | €5,195 | €0 | -€170 | €5,025 | 41.78% |
| 19 | €12,146 | €6,984 | €5,314 | €0 | -€151 | €5,163 | 42.50% |
| 20 | €12,268 | €7,216 | €5,436 | €251 | -€384 | €5,051 | 41.18% |
| 21 | €12,390 | €7,298 | €5,560 | €352 | -€468 | €5,093 | 41.10% |
| 22 | €12,514 | €7,300 | €5,688 | €373 | -€473 | €5,215 | 41.67% |
| 23 | €12,639 | €7,301 | €5,818 | €395 | -€479 | €5,339 | 42.24% |
| 24 | €12,766 | €7,301 | €5,952 | €417 | -€487 | €5,465 | 42.81% |
| 25 | €12,894 | €7,301 | €6,088 | €440 | -€496 | €5,592 | 43.37% |
A negative cash kept after tax is drawn below zero on the chart: the rent did not cover all the costs and the capital repaid, and the difference came out of your pocket.
The account interest (earned or paid) and the interest on the shareholder current account (compte courant) are not on this chart; the tax shown is the year’s tax (for an SCI it includes the corporate tax on the account interest): see “Your wealth over time”.
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.
Part 4. Month by month (year 1)
Year 1 in detail — the year picked above: the rent, the costs and the profit of the year, then what you pay every month.
Rent, costs and profit (Cash Flow & Profit)
- Rent per month1Total Income — Monthly€883
- Rent kept after all costs per month2Cash Flow — Monthly-€48
- Profit per month (income − costs, before tax)3Profit — Monthly€246
- Rent per year (months actually rented)4Total Income — Annual€10,155
- Rent kept after all costs per year5Cash Flow — Annual-€580
- Profit per year (income − costs, before tax)6Profit = Total Gain — Annual€2,953
- …kept as cash7…of which kept as cash-€580
- …used to pay down the loan8…of which converted to equity€3,533
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Rent per month1Total Income — Monthly | €883 |
| Rent kept after all costs per month2Cash Flow — Monthly | -€48 |
| Profit per month (income − costs, before tax)3Profit — Monthly | €246 |
| Rent per year (months actually rented)4Total Income — Annual | €10,155 |
| Rent kept after all costs per year5Cash Flow — Annual | -€580 |
| Profit per year (income − costs, before tax)6Profit = Total Gain — Annual | €2,953 |
| …kept as cash7…of which kept as cash | -€580 |
| …used to pay down the loan8…of which converted to equity | €3,533 |
What you pay every month (Obligations)
- Loan payment (interest + principal + insurance)1Loan payment (P+I+Insurance)€522
- Building charges (syndic)2€126
- Property tax (taxe foncière)3€154
- Home insurance(given)€16
- Accountant fees(given)€21
- Bank fees(given)€3
- Yearly repairs (÷ 12)4€53
- Total per month5TOTAL MONTHLY OBLIGATION€895
| T2 in Melun — SCI à l’IS · ID 01 | |
|---|---|
| Loan payment (interest + principal + insurance)1Loan payment (P+I+Insurance) | €522 |
| Building charges (syndic)2 | €126 |
| Property tax (taxe foncière)3 | €154 |
| Home insurance(given) | €16 |
| Accountant fees(given) | €21 |
| Bank fees(given) | €3 |
| Yearly repairs (÷ 12)4 | €53 |
| Total per month5TOTAL MONTHLY OBLIGATION | €895 |
Loan principal/interest (the report's loan schedule, “Your inputs and one-off costs”) reflect Year 1's amortized figures — for a bank-stated loan, the bank's payment, split into interest and principal as in the projection; property tax/syndic reflect Year 1's figures grown at their own rates (your inputs) — bundled into the 25-year projection's Total Expenses, not broken out separately there. Insurance, accountant, and bank fees have no growth assumption in this model, so they stay at their entered monthly amount every year.