What the property is worth to you — T2 in Le Mée-sur-Seine — micro-foncier · ID 03Micro-foncierEquity + value increase + rental account, before and after tax

Year 20: the property is worth €111,367 to you before tax, €111,367 after income tax & social.

Where each number comes from

Each link opens the page that calculates that figure.

  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
Part 1. Before any tax, year 20
  • Equity you own (day-1 equity + loan paid off)€85,385
  • +Value increase€25,982
  • +Your rental account, before tax€0
  • =Worth to you before tax€111,367
Part 2. After income tax & social, year 20
  • Equity you own (day-1 equity + loan paid off)€85,385
  • +Value increase€25,982
  • +Your rental account, after tax€0
  • =Worth to you after income tax & social€111,367
Part 3. Every year
YearEquity you own (day-1 equity + loan paid off)Value increaseYour rental account, before taxWorth to you before taxYour rental account, after taxWorth to you after income tax & social
1€1,121€1,180€0€2,301€0€2,301
2€4,349€2,372€0€6,721€0€6,721
3€7,686€3,576€0€11,262€0€11,262
4€11,137€4,791€0€15,928€0€15,928
5€14,705€6,019€0€20,724€0€20,724
6€18,395€7,259€0€25,654€0€25,654
7€22,210€8,512€0€30,722€0€30,722
8€26,155€9,777€0€35,932€0€35,932
9€30,234€11,055€0€41,289€0€41,289
10€34,452€12,345€0€46,797€0€46,797
11€38,813€13,649€0€52,462€0€52,462
12€43,323€14,965€0€58,288€0€58,288
13€47,986€16,295€0€64,281€0€64,281
14€52,807€17,638€0€70,445€0€70,445
15€57,793€18,994€0€76,788€0€76,788
16€62,949€20,364€0€83,313€0€83,313
17€68,279€21,748€0€90,027€0€90,027
18€73,792€23,145€0€96,937€0€96,937
19€79,491€24,557€0€104,048€0€104,048
20€85,385€25,982€0€111,367€0€111,367
21€91,479€27,422€0€118,901€0€118,901
22€97,780€28,876€0€126,657€0€126,657
23€104,296€30,345€0€134,641€0€134,641
24€111,033€31,829€0€142,862€0€142,862
25€118,000€33,327€0€151,327€0€151,327