Bailleur Lucide
Sign in
← Summary

Yearly return before company tax — map — T2 in Melun — SCI à l’IS · ID 01SCI IS

Year 25, if you keep the property, as if the company paid no tax: every euro you put in, placed at the yearly rate until year 25, adds up to what the property is worth to you.

← Calculation mapSee the full calculation (year-by-year table) →

Your money grew as in a savings account paying 6.55% a year.

× (1 + 6.55%)²⁵invested 25 years+× (1 + 6.55%)²⁴invested 24 years+× (1 + 6.55%)²³…¹invested 1 to 23 years+× (1 + 6.55%)⁰paid in year 25+−−+++Put in at thepurchase€24,410becomes €119,108Payment, year 1€579.57becomes €2,654Payments afterthe purchase,years 2 to 24€6,601becomes €18,649 · seethe detailPayment, year 25€56.09becomes €56.09€142,695Net worth beforecompany tax€2,228Payments that onlypaid company tax€9,464Payments after thepurchase, years 1to 25€7,236Payments beforecompany tax, years1 to 25Final amountbefore companytax€140,467year 25Yearlyreturnbefore6.55%a year
  • Your money (the same circles as the main map)
  • What you have, and the yearly return

You put in €24,410 at the purchase and €7,236 afterwards (payments after the purchase). Your company earned as much as a savings account paying 6.55% a year: the money you put in, placed at that rate, would give exactly €140,467 in year 25 — what you have (net worth before company tax, year 25).

What this calculation leaves out

  • This map reads the calculation the way a savings account works: each euro put in grows at the yearly rate until year N (× (1 + r)^(N − t)), and together they give the final amount. Only one yearly rate makes this true: that is the yearly return.
  • Only the money that leaves your pocket counts as money put in. The rent left, the account interest and the compte courant interest (lent back to the company) stay in the company: they are inside the final amount.
  • Rates are shown with 2 decimals, amounts under €1,000 with their cents and larger amounts in whole euros. Only the display is rounded: every calculation uses the exact amounts.
  • The payments of years 2 to N − 1 share one circle: open it for the table, year by year.
  • Before company tax, the payments that only paid the company tax do not exist: they are taken out of the net worth to give the final amount (the result circle’s panel).
  • Not sold: the final amount is what the property is worth to you, not cash in hand (no selling costs, no tax on the sale).

Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.