Money back year — map — T2 in Le Mée-sur-Seine — micro-foncier · ID 03Micro-foncier
Every year of the 25-year projection read as « if you sold that year »: what you would walk away with, against what you had put in by then. The money back year is the first year the first covers the second. The year picker does not change this map.
- What you put in
- Not recovered yet
- Recovered
By year 17 you had put in €80,341 (cash at purchase €14,850 + payments after the purchase €65,491). Selling in year 17 would leave you €82,665: €2,324 more than you put in — the first year it is covered, so year 17 is your money back year. In year 16 you would have walked away with €75,965: €867.96 short.
What this calculation leaves out
- Each year is read « if you sold that year »: the cash you walk away with is your rental account + the sale price after the selling costs, the loan left and the plus-value tax (the main map, « Sold »).
- What you put in grows with the payments after the purchase: each year is compared with its own payments so far (the « Put in by year » of each circle’s panel).
- The rent is not counted apart: the rent left after tax is already in your rental account, so in what you walk away with.
- No discounting: a euro of year 20 counts like a euro today (the yearly return does take time into account).
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.