Where your rent goes, year after year — Furnished flat-share in Melun — LMNP · ID 02LMNPRent 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 25: of €19,665 rent, €12,103 is lost, €0 repays the loan and €7,562 stays as cash after tax — profit €7,562, 38.45% of the rent.

Where each number comes from

Each link opens the page that calculates that figure.

Cash flow before tax (rent − costs − loan payments) Cash Flow
Tax and cash left each year LMNP income tax, social contributions, after-tax cash flow
Loan paid off (equity built) Equity from Loan

Year:

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 tax 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	Income tax + social contributions of the year (net of credits)³	Money lost⁴
1	€19,665	€3,549	€111	€1,311	€1,724	€2,228	€1,229	€0	€10,152
2	€19,665	€3,417	€111	€1,329	€1,748	€2,228	€1,229	€207	€10,270
3	€19,665	€3,281	€111	€1,348	€1,773	€2,228	€1,229	€3,040	€13,009
4	€19,665	€3,140	€111	€1,367	€1,798	€2,228	€1,229	€2,968	€12,840
5	€19,665	€2,995	€111	€1,386	€1,823	€2,228	€1,229	€3,015	€12,786
6	€19,665	€2,844	€111	€1,405	€1,848	€2,228	€1,229	€3,064	€12,730
7	€19,665	€2,689	€111	€1,425	€1,874	€2,228	€1,229	€3,115	€12,672
8	€19,665	€2,529	€111	€1,445	€1,900	€2,228	€1,229	€3,332	€12,774
9	€19,665	€2,363	€111	€1,465	€1,927	€2,228	€1,229	€3,381	€12,704
10	€19,665	€2,192	€111	€1,486	€1,954	€2,228	€1,229	€3,438	€12,638
11	€19,665	€2,015	€111	€1,507	€1,981	€2,228	€1,229	€3,498	€12,569
12	€19,665	€1,832	€111	€1,528	€2,009	€2,228	€1,229	€3,561	€12,498
13	€19,665	€1,643	€111	€1,549	€2,037	€2,228	€1,229	€3,626	€12,423
14	€19,665	€1,448	€111	€1,571	€2,066	€2,228	€1,229	€3,694	€12,346
15	€19,665	€1,246	€111	€1,593	€2,095	€2,228	€1,229	€3,764	€12,265
16	€19,665	€1,037	€111	€1,615	€2,124	€2,228	€1,229	€4,122	€12,466
17	€19,665	€822	€111	€1,638	€2,154	€2,228	€1,229	€4,186	€12,367
18	€19,665	€599	€111	€1,661	€2,184	€2,228	€1,229	€4,265	€12,277
19	€19,665	€369	€111	€1,684	€2,214	€2,228	€1,229	€4,347	€12,183
20	€19,665	€132	€111	€1,707	€2,245	€2,228	€1,229	€4,433	€12,085
21	€19,665	€0	€0	€1,731	€2,277	€2,228	€1,229	€4,520	€11,985
22	€19,665	€0	€0	€1,755	€2,309	€2,228	€1,229	€4,489	€12,010
23	€19,665	€0	€0	€1,780	€2,341	€2,228	€1,229	€4,462	€12,041
24	€19,665	€0	€0	€1,805	€2,374	€2,228	€1,229	€4,435	€12,072
25	€19,665	€0	€0	€1,830	€2,407	€2,228	€1,229	€4,408	€12,103

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	€3,549	€3,958	€5,555	€9,513
2	€3,417	€4,090	€5,512	€9,602
3	€3,281	€4,226	€5,469	€9,695
4	€3,140	€4,367	€5,425	€9,792
5	€2,995	€4,512	€5,381	€9,893
6	€2,844	€4,663	€5,336	€9,999
7	€2,689	€4,818	€5,291	€10,108
8	€2,529	€4,978	€5,244	€10,223
9	€2,363	€5,144	€5,198	€10,342
10	€2,192	€5,315	€5,150	€10,465
11	€2,015	€5,492	€5,102	€10,594
12	€1,832	€5,675	€5,053	€10,728
13	€1,643	€5,864	€5,004	€10,868
14	€1,448	€6,059	€4,953	€11,013
15	€1,246	€6,261	€4,902	€11,164
16	€1,037	€6,470	€4,851	€11,321
17	€822	€6,685	€4,799	€11,484
18	€599	€6,908	€4,745	€11,653
19	€369	€7,138	€4,692	€11,829
20	€132	€7,375	€4,637	€12,012
21	€0	€0	€12,199	€12,199
22	€0	€0	€12,143	€12,143
23	€0	€0	€12,086	€12,086
24	€0	€0	€12,029	€12,029
25	€0	€0	€11,970	€11,970

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€19,665
−Money lost€12,103
=Profit after tax€7,562

\text{Profit after tax} = \text{Rent of the year} - \text{Money lost}

= \text{\text{€}19{,}665} - \text{\text{€}12{,}103}

= \text{\text{€}7{,}562}

Capital repaid€0
+Cash kept after tax€7,562
=Profit after tax€7,562

\text{Profit after tax} = \text{Capital repaid} + \text{Cash kept after tax}

= \text{\text{€}0} + \text{\text{€}7{,}562}

= \text{\text{€}7{,}562}

Year 25: €7,562 of the €19,665 rent stays yours — 38.45% of the rent.

Rent (Year 25)€19,665

Money lost (Year 25)€12,103

Capital repaid€0

Cash kept after tax€7,562

Profit after tax€7,562

Share of the rent you keep38.45%

Year	Rent of the year	Money lost¹	Capital repaid	Income tax + social contributions of the year (net of credits)²	Cash kept after tax³	Profit after tax⁴	Share of the rent you keep⁵
1	€19,665	€10,152	€3,958	€0	€5,555	€9,513	48.37%
2	€19,665	€10,270	€4,090	€207	€5,305	€9,395	47.78%
3	€19,665	€13,009	€4,226	€3,040	€2,429	€6,656	33.84%
4	€19,665	€12,840	€4,367	€2,968	€2,458	€6,825	34.70%
5	€19,665	€12,786	€4,512	€3,015	€2,366	€6,879	34.98%
6	€19,665	€12,730	€4,663	€3,064	€2,272	€6,935	35.27%
7	€19,665	€12,672	€4,818	€3,115	€2,176	€6,993	35.56%
8	€19,665	€12,774	€4,978	€3,332	€1,913	€6,891	35.04%
9	€19,665	€12,704	€5,144	€3,381	€1,817	€6,961	35.40%
10	€19,665	€12,638	€5,315	€3,438	€1,712	€7,027	35.73%
11	€19,665	€12,569	€5,492	€3,498	€1,604	€7,096	36.08%
12	€19,665	€12,498	€5,675	€3,561	€1,492	€7,167	36.45%
13	€19,665	€12,423	€5,864	€3,626	€1,378	€7,242	36.83%
14	€19,665	€12,346	€6,059	€3,694	€1,260	€7,319	37.22%
15	€19,665	€12,265	€6,261	€3,764	€1,139	€7,400	37.63%
16	€19,665	€12,466	€6,470	€4,122	€729	€7,199	36.61%
17	€19,665	€12,367	€6,685	€4,186	€612	€7,298	37.11%
18	€19,665	€12,277	€6,908	€4,265	€480	€7,388	37.57%
19	€19,665	€12,183	€7,138	€4,347	€344	€7,482	38.05%
20	€19,665	€12,085	€7,375	€4,433	€204	€7,580	38.54%
21	€19,665	€11,985	€0	€4,520	€7,680	€7,680	39.05%
22	€19,665	€12,010	€0	€4,489	€7,655	€7,655	38.92%
23	€19,665	€12,041	€0	€4,462	€7,624	€7,624	38.77%
24	€19,665	€12,072	€0	€4,435	€7,593	€7,593	38.61%
25	€19,665	€12,103	€0	€4,408	€7,562	€7,562	38.45%

The interest on your rental account (earned, or paid to a lender) and the flat tax on the interest earned are not on this chart; the tax shown is the year’s income tax and social contributions as worked out for your regime: 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 25)

Year 25 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 year (months actually rented)¹Total Income — Annual
€19,665
Cash flow before tax, per year²Cash Flow — Annual
€11,970
Profit per year (income − costs, before tax)³Profit = Total Gain — Annual
€11,970
…kept as cash⁴…of which kept as cash
€11,970
…used to pay down the loan⁵…of which converted to equity
€0

	Furnished flat-share in Melun — LMNP · ID 02
Rent per year (months actually rented)¹Total Income — Annual	€19,665
Cash flow before tax, per year²Cash Flow — Annual	€11,970
Profit per year (income − costs, before tax)³Profit = Total Gain — Annual	€11,970
…kept as cash⁴…of which kept as cash	€11,970
…used to pay down the loan⁵…of which converted to equity	€0

Your tax this year (Yearly result under the régime réel)

Taxable income¹Taxable result
€9,470
Income tax²Income tax (taxable × TMI)
€2,841
Social contributions³Prélèvements sociaux (taxable × 18.6%)
€1,761
Tax back from last year’s CSG⁴CSG deductibility saving received (from N−1)
€194
Cash flow after tax⁵After-tax cash flow
€7,562

	Furnished flat-share in Melun — LMNP · ID 02
Taxable income¹Taxable result	€9,470
Income tax²Income tax (taxable × TMI)	€2,841
Social contributions³Prélèvements sociaux (taxable × 18.6%)	€1,761
Tax back from last year’s CSG⁴CSG deductibility saving received (from N−1)	€194
Cash flow after tax⁵After-tax cash flow	€7,562

Income tax and social contributions on the rent for this year, and the cash left after them. Every year: Your tax each year →

What you pay every month (Obligations)

Loan payment (interest + principal + insurance)¹Loan payment (P+I+Insurance)
€0
Building charges (syndic)²
€201
Property tax (taxe foncière)³
€153
Home insurance(given)
€17
Accountant fees(given)
€22
Bank fees(given)
€3
Yearly repairs (÷ 12)⁴
€102
Total per month⁵TOTAL MONTHLY OBLIGATION
€497

	Furnished flat-share in Melun — LMNP · ID 02
Loan payment (interest + principal + insurance)¹Loan payment (P+I+Insurance)	€0
Building charges (syndic)²	€201
Property tax (taxe foncière)³	€153
Home insurance(given)	€17
Accountant fees(given)	€22
Bank fees(given)	€3
Yearly repairs (÷ 12)⁴	€102
Total per month⁵TOTAL MONTHLY OBLIGATION	€497

Loan principal/interest (the “Your inputs and one-off costs” section's loan schedule) reflect Year 25'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 25's figures grown at their own rates (the “Your inputs and one-off costs” section). Insurance, accountant, and bank fees have no growth assumption in this model, so they stay at their entered monthly amount every year. The income tax and social contributions above are paid once a year, not monthly.