How your net worth is calculated, figure by figure — Furnished flat-share in Melun — LMNP · ID 02LMNP

In the middle, what the property leaves you at the end of the year you pick: your net worth if you keep it, or the cash in your pocket if you sell. Around it, the figures it is made of, joined by + and −. Press « + » on a circle to see where that figure comes from; click a circle for its formula with your numbers, then open its map when it has one, otherwise its calculation.

The depreciation map →The cash-flow map →
+−−+−−+Cash you walk awaywith€233,786if you sell in year 25Sale price€141,599end of year 25See its mapSelling costs€7,080agency + loan payoffSee its mapLoan left torepay€0end of year 25See its mapCash kept onyour account€203,821total so far, beforetaxesSee its mapTaxes paid sofar€99,945total so farSee its mapTax on thecapital gain€4,804income tax + social,after the holdingSee its mapCSG tax backstill to come€193.19paid the year afterthe saleSee its mapYearly returnif you sell5.57% per yearmoney-weighted,after all taxesSee its mapMoney backyearyear 6sale ≥ all youpaid inSee its map
  • Your money: property, loan, rental account
  • Income tax and social contributions
  • Sale
  • the result
  • another use of the figure (on hover)
  • +show / hide what goes into a figure
  • has its own map

In one line: In your pocket = sale price €141,599 − selling costs €7,080 − loan left to repay €0 + cash kept on your account €203,821 − taxes paid so far €99,945 − tax on the capital gain €4,804 + CSG tax back still to come €193.19 = €233,786

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