Yearly return if you sell, after every tax — T2 in Le Mée-sur-Seine — micro-foncier · ID 03Micro-foncierMoney-weighted return (MWRR) after the sale

Selling at the end of year 20: 1.18% a year on the money you put in, after every tax.

Where each number comes from

Each link opens the page that calculates that figure.

Cash you end up with if you sell Rental account at the sale + cash from the sale after tax
1. 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
2. Tax on the gain when you sell Plus-value des particuliers: the better of the flat or the actual purchase costs and works
  1. What the sale leaves after the loan and fees Net Sale Proceeds Ledger
  2. CSG tax back of the sale year earned in the sale year, paid 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
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. What your money became, years 1–20

Year	Cash flow after the yearly tax	Interest after the flat tax	Total
1	-€4,265	€0	-€4,265
2	-€4,131	€0	-€4,131
3	-€4,092	€0	-€4,092
4	-€4,053	€0	-€4,053
5	-€4,014	€0	-€4,014
6	-€3,974	€0	-€3,974
7	-€3,933	€0	-€3,933
8	-€3,893	€0	-€3,893
9	-€3,852	€0	-€3,852
10	-€3,810	€0	-€3,810
11	-€3,768	€0	-€3,768
12	-€3,726	€0	-€3,726
13	-€3,683	€0	-€3,683
14	-€3,640	€0	-€3,640
15	-€3,596	€0	-€3,596
16	-€3,553	€0	-€3,553
17	-€3,508	€0	-€3,508
18	-€3,463	€0	-€3,463
19	-€3,418	€0	-€3,418
20	-€3,373	€0	-€3,373

Cash left in your rental account after the purchase€0
+Cash from the sale, after tax€103,970
=Added in year 20, the sale€103,970

\text{Added in year 20, the sale} = \text{Cash left in your rental account after the purchase} + \text{Cash from the sale, after tax}

= \text{\text{€}0} + \text{\text{€}103{,}970}

= \text{\text{€}103{,}970}

Money into your account, years 1–20(-€75,746)
+Added in year 20, the sale€103,970
−Cash at purchase€14,850
=Total profit€13,375

\text{Total profit} = \text{Money into your account, years 1–20} + \text{Added in year 20, the sale} - \text{Cash at purchase}

= -\text{\text{€}75{,}746} + \text{\text{€}103{,}970} - \text{\text{€}14{,}850}

= \text{\text{€}13{,}375}

Total cash put in€90,596
+Total profit€13,375
=Final amount€103,970

\text{Final amount} = \text{Total cash put in} + \text{Total profit}

= \text{\text{€}90{,}596} + \text{\text{€}13{,}375}

= \text{\text{€}103{,}970}

Check: your rental account at the end of year 20 (€0.00) + the cash from the sale (€103,970.20) = €103,970.20.

Part 3. The formula

R = 1.17563564%: Σ Inj_t × (1 + R)^(20 − t) = €103,970.20; minus the final amount €103,970.20 = €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€103,970

Multiple1.15

Yearly return1.18%

Part 5. If you sold another year

Year	Final amount	Yearly return¹
1	-€4,730	—
2	-€336	—
3	€4,179	-97.95%
4	€8,821	-48.82%
5	€13,593	-30.51%
6	€18,499	-20.56%
7	€23,544	-14.45%
8	€28,732	-10.42%
9	€34,067	-7.61%
10	€39,555	-5.57%
11	€45,200	-4.04%
12	€51,007	-2.87%
13	€56,981	-1.95%
14	€63,129	-1.21%
15	€69,455	-0.61%
16	€75,965	-0.12%
17	€82,665	0.29%
18	€89,562	0.63%
19	€96,662	0.92%
20	€103,970	1.18%
21	€111,495	1.39%
22	€119,243	1.58%
23	€127,221	1.74%
24	€135,437	1.89%
25	€143,899	2.02%