Yearly return, unsold, after income tax & social — T2 in Le Mée-sur-Seine — micro-foncier · ID 03Micro-foncierMoney-weighted return (MWRR) on what the property is worth to you after the yearly tax

Year 20: 1.75% a year on your cash, without selling.

Where each number comes from

Each link opens the page that calculates that figure.

What the property is worth to you Equity + value increase + rental account, before and after tax
1. Loan paid off (equity built) Equity from Loan
2. Property value increase Appreciation
3. Your rental account Opening + interest after the flat tax + cash flow after tax (+ payment after the purchase)
  1. Income tax, social contributions and cash flow after tax Taxable income × (your bracket + 17.2%), CSG tax back the next year
    1. Taxable income (the 30% allowance) Micro-foncier: rent excluding charges × 70%
      1. Rent collected the rent of the cash-flow page (charges included)
    2. Cash flow before tax (rent − costs − loan payments) Cash Flow

Year:

Part 1. Cash at purchase and payments after the purchase

€14,850 at the start (year 0), then €75,746 of payments after the purchase, each in its own year.

Part 2. The final amount, year 20

Equity you own (day-1 equity + loan paid off)€85,385
+Value increase€25,982
+Your rental account, after tax€0
=What the property is worth to you after income tax & social€111,367

\text{What the property is worth to you after income tax \& social} = \text{Equity you own (day-1 equity + loan paid off)} + \text{Value increase} + \text{Your rental account, after tax}

= \text{\text{€}85{,}385} + \text{\text{€}25{,}982} + \text{\text{€}0}

= \text{\text{€}111{,}367}

Part 3. The formula

R = 1.75015465%: Σ Inj_t × (1 + R)^(20 − t) = €111,367.28; minus the final amount €111,367.28 = €0.00 — R is the rate that makes this €0. Each amount is put in at the end of its year t and grows from the next year on, for N − t years (the cash at purchase, year 0, for all N).

Part 4. The result

Total cash put in€90,596

Final amount€111,367

Multiple1.23

Yearly return1.75%

Part 5. Every year

Year	Final amount	Yearly return¹
1	€2,301	—
2	€6,721	-70.20%
3	€11,262	-40.21%
4	€15,928	-25.04%
5	€20,724	-16.55%
6	€25,654	-11.36%
7	€30,722	-7.96%
8	€35,932	-5.61%
9	€41,289	-3.92%
10	€46,797	-2.66%
11	€52,462	-1.70%
12	€58,288	-0.95%
13	€64,281	-0.35%
14	€70,445	0.13%
15	€76,788	0.53%
16	€83,313	0.86%
17	€90,027	1.14%
18	€96,937	1.37%
19	€104,048	1.58%
20	€111,367	1.75%
21	€118,901	1.90%
22	€126,657	2.03%
23	€134,641	2.15%
24	€142,862	2.25%
25	€151,327	2.34%