Where your rent goes, year after year — Furnished flat-share in Melun — SCI à l’IS · ID 04SCI ISRent split → money lost / capital repaid / cash kept

This page shows where each year's rent goes: the money lost, the capital repaid and the cash kept after tax. Result for year 25: of €19,665 rent, €10,618 is lost, €0 repays the loan and €9,047 stays as cash after tax — profit €9,047, 46.01% of the rent.

Where each number comes from

Each link opens the page that calculates that figure.

Rent kept after all costs (cash flow) Cash Flow
Company tax paid each year IS Ledger
Loan paid off (equity built) Equity from Loan

Year:

Part 1. From the rent to the money lostLost_t = running costs + loan interest + tax of the year

The running costs and the loan interest are the ones of the cash flow page; the tax of the year comes from the corporate tax (IS) page. Added together they are the red top part of each bar: money that is spent and never comes back.

Year	Rent of the year¹	Loan interest	Borrower insurance	Taxe foncière	Co-ownership charges	Home insurance, accountant, bank fees²	Yearly repairs	Corporate tax (IS) of the year³	Tax on the compte-courant interest⁴	Money lost⁵
1	€19,665	€3,549	€111	€1,311	€1,724	€2,228	€1,229	€0	€490	€10,642
2	€19,665	€3,417	€111	€1,329	€1,748	€2,228	€1,229	€0	€504	€10,567
3	€19,665	€3,281	€111	€1,348	€1,773	€2,228	€1,229	€394	€518	€10,881
4	€19,665	€3,140	€111	€1,367	€1,798	€2,228	€1,229	€800	€532	€11,204
5	€19,665	€2,995	€111	€1,386	€1,823	€2,228	€1,229	€837	€546	€11,155
6	€19,665	€2,844	€111	€1,405	€1,848	€2,228	€1,229	€874	€561	€11,102
7	€19,665	€2,689	€111	€1,425	€1,874	€2,228	€1,229	€913	€577	€11,046
8	€19,665	€2,529	€111	€1,445	€1,900	€2,228	€1,229	€1,003	€593	€11,038
9	€19,665	€2,363	€111	€1,465	€1,927	€2,228	€1,229	€1,044	€609	€10,976
10	€19,665	€2,192	€111	€1,486	€1,954	€2,228	€1,229	€1,086	€626	€10,911
11	€19,665	€2,015	€111	€1,507	€1,981	€2,228	€1,229	€1,128	€643	€10,842
12	€19,665	€1,832	€111	€1,528	€2,009	€2,228	€1,229	€1,173	€660	€10,770
13	€19,665	€1,643	€111	€1,549	€2,037	€2,228	€1,229	€1,218	€679	€10,694
14	€19,665	€1,448	€111	€1,571	€2,066	€2,228	€1,229	€1,264	€697	€10,614
15	€19,665	€1,246	€111	€1,593	€2,095	€2,228	€1,229	€1,312	€716	€10,530
16	€19,665	€1,037	€111	€1,615	€2,124	€2,228	€1,229	€1,449	€736	€10,529
17	€19,665	€822	€111	€1,638	€2,154	€2,228	€1,229	€1,499	€756	€10,437
18	€19,665	€599	€111	€1,661	€2,184	€2,228	€1,229	€1,550	€777	€10,339
19	€19,665	€369	€111	€1,684	€2,214	€2,228	€1,229	€1,603	€798	€10,237
20	€19,665	€132	€111	€1,707	€2,245	€2,228	€1,229	€1,657	€820	€10,130
21	€19,665	€0	€0	€1,731	€2,277	€2,228	€1,229	€1,712	€843	€10,020
22	€19,665	€0	€0	€1,755	€2,309	€2,228	€1,229	€1,777	€866	€10,164
23	€19,665	€0	€0	€1,780	€2,341	€2,228	€1,229	€1,844	€889	€10,312
24	€19,665	€0	€0	€1,805	€2,374	€2,228	€1,229	€1,913	€914	€10,463
25	€19,665	€0	€0	€1,830	€2,407	€2,228	€1,229	€1,984	€939	€10,618

Part 2. A loan payment splits into interest and capitalPayment = Interest + Principal (+ Insurance); Profit = Principal + Cash flow

Only the interest part of the loan payment is lost; the capital repaid lowers what you owe the bank, so it is yours. That is why the profit (rent − costs) is larger than the cash flow by exactly the capital repaid.

Year	Loan interest	Capital repaid¹	Cash flow (before tax)²	Profit (before tax)³
1	€3,549	€3,958	€5,555	€9,513
2	€3,417	€4,090	€5,512	€9,602
3	€3,281	€4,226	€5,469	€9,695
4	€3,140	€4,367	€5,425	€9,792
5	€2,995	€4,512	€5,381	€9,893
6	€2,844	€4,663	€5,336	€9,999
7	€2,689	€4,818	€5,291	€10,108
8	€2,529	€4,978	€5,244	€10,223
9	€2,363	€5,144	€5,198	€10,342
10	€2,192	€5,315	€5,150	€10,465
11	€2,015	€5,492	€5,102	€10,594
12	€1,832	€5,675	€5,053	€10,728
13	€1,643	€5,864	€5,004	€10,868
14	€1,448	€6,059	€4,953	€11,013
15	€1,246	€6,261	€4,902	€11,164
16	€1,037	€6,470	€4,851	€11,321
17	€822	€6,685	€4,799	€11,484
18	€599	€6,908	€4,745	€11,653
19	€369	€7,138	€4,692	€11,829
20	€132	€7,375	€4,637	€12,012
21	€0	€0	€12,199	€12,199
22	€0	€0	€12,143	€12,143
23	€0	€0	€12,086	€12,086
24	€0	€0	€12,029	€12,029
25	€0	€0	€11,970	€11,970

Part 3. What is left for you: capital repaid + cash = profitRent = Lost + Principal + Cash after tax; share kept = Profit after tax ÷ Rent

The cash kept after tax is the cash flow minus the tax of the year. What is left for you, the profit after tax, is the capital repaid plus that cash — the top of the green part of the bar — and equally the rent minus the money lost. The share of the rent you keep is that profit divided by the rent, shown next to the year when you point at the chart.

Rent of the year€19,665
−Money lost€10,618
=Profit after tax€9,047

\text{Profit after tax} = \text{Rent of the year} - \text{Money lost}

= \text{\text{€}19{,}665} - \text{\text{€}10{,}618}

= \text{\text{€}9{,}047}

Capital repaid€0
+Cash kept after tax€9,047
=Profit after tax€9,047

\text{Profit after tax} = \text{Capital repaid} + \text{Cash kept after tax}

= \text{\text{€}0} + \text{\text{€}9{,}047}

= \text{\text{€}9{,}047}

Year 25: €9,047 of the €19,665 rent stays yours — 46.01% of the rent.

Rent (Year 25)€19,665

Money lost (Year 25)€10,618

Capital repaid€0

Cash kept after tax€9,047

Profit after tax€9,047

Share of the rent you keep46.01%

Year	Rent of the year	Money lost¹	Capital repaid	Corporate tax (IS) of the year²	Tax on the compte-courant interest³	Cash kept after tax⁴	Profit after tax⁵	Share of the rent you keep⁶
1	€19,665	€10,642	€3,958	€0	€490	€5,064	€9,023	45.88%
2	€19,665	€10,567	€4,090	€0	€504	€5,008	€9,098	46.27%
3	€19,665	€10,881	€4,226	€394	€518	€4,557	€8,784	44.67%
4	€19,665	€11,204	€4,367	€800	€532	€4,094	€8,461	43.02%
5	€19,665	€11,155	€4,512	€837	€546	€3,998	€8,510	43.28%
6	€19,665	€11,102	€4,663	€874	€561	€3,900	€8,563	43.54%
7	€19,665	€11,046	€4,818	€913	€577	€3,801	€8,619	43.83%
8	€19,665	€11,038	€4,978	€1,003	€593	€3,648	€8,627	43.87%
9	€19,665	€10,976	€5,144	€1,044	€609	€3,545	€8,689	44.18%
10	€19,665	€10,911	€5,315	€1,086	€626	€3,439	€8,754	44.52%
11	€19,665	€10,842	€5,492	€1,128	€643	€3,331	€8,823	44.87%
12	€19,665	€10,770	€5,675	€1,173	€660	€3,220	€8,895	45.23%
13	€19,665	€10,694	€5,864	€1,218	€679	€3,107	€8,971	45.62%
14	€19,665	€10,614	€6,059	€1,264	€697	€2,992	€9,051	46.03%
15	€19,665	€10,530	€6,261	€1,312	€716	€2,874	€9,135	46.45%
16	€19,665	€10,529	€6,470	€1,449	€736	€2,666	€9,136	46.46%
17	€19,665	€10,437	€6,685	€1,499	€756	€2,543	€9,228	46.93%
18	€19,665	€10,339	€6,908	€1,550	€777	€2,418	€9,326	47.42%
19	€19,665	€10,237	€7,138	€1,603	€798	€2,290	€9,428	47.94%
20	€19,665	€10,130	€7,375	€1,657	€820	€2,160	€9,535	48.49%
21	€19,665	€10,020	€0	€1,712	€843	€9,645	€9,645	49.04%
22	€19,665	€10,164	€0	€1,777	€866	€9,501	€9,501	48.31%
23	€19,665	€10,312	€0	€1,844	€889	€9,353	€9,353	47.56%
24	€19,665	€10,463	€0	€1,913	€914	€9,202	€9,202	46.79%
25	€19,665	€10,618	€0	€1,984	€939	€9,047	€9,047	46.01%

The account interest (earned or paid) and the interest on the shareholder current account (compte courant, paid by the company and lent straight back) are not on this chart; the tax shown is the year’s tax (for an SCI it includes the corporate tax on the account interest) plus the shareholders’ tax on the compte-courant interest, which comes out of their pocket: the cash after tax is what they really keep. The interest itself: see “Your wealth over time”.

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

Part 4. Month by month (year 25)

Year 25 in detail — the year picked above: the rent, the costs and the profit of the year, then what you pay every month.

Rent, costs and profit (Cash Flow & Profit)

Rent per year (months actually rented)¹Total Income — Annual
€19,665
Rent kept after all costs per year²Cash Flow — Annual
€11,970
Profit per year (income − costs, before tax)³Profit = Total Gain — Annual
€11,970
…kept as cash⁴…of which kept as cash
€11,970
…used to pay down the loan⁵…of which converted to equity
€0

	Furnished flat-share in Melun — SCI à l’IS · ID 04
Rent per year (months actually rented)¹Total Income — Annual	€19,665
Rent kept after all costs per year²Cash Flow — Annual	€11,970
Profit per year (income − costs, before tax)³Profit = Total Gain — Annual	€11,970
…kept as cash⁴…of which kept as cash	€11,970
…used to pay down the loan⁵…of which converted to equity	€0

What you pay every month (Obligations)

Loan payment (interest + principal + insurance)¹Loan payment (P+I+Insurance)
€0
Building charges (syndic)²
€201
Property tax (taxe foncière)³
€153
Home insurance(given)
€17
Accountant fees(given)
€22
Bank fees(given)
€3
Yearly repairs (÷ 12)⁴
€102
Total per month⁵TOTAL MONTHLY OBLIGATION
€497

	Furnished flat-share in Melun — SCI à l’IS · ID 04
Loan payment (interest + principal + insurance)¹Loan payment (P+I+Insurance)	€0
Building charges (syndic)²	€201
Property tax (taxe foncière)³	€153
Home insurance(given)	€17
Accountant fees(given)	€22
Bank fees(given)	€3
Yearly repairs (÷ 12)⁴	€102
Total per month⁵TOTAL MONTHLY OBLIGATION	€497

Loan principal/interest (the report's loan schedule, “Your inputs and one-off costs”) reflect Year 25's amortized figures — for a bank-stated loan, the bank's payment, split into interest and principal as in the projection; property tax/syndic reflect Year 25's figures grown at their own rates (your inputs) — bundled into the 25-year projection's Total Expenses, not broken out separately there. Insurance, accountant, and bank fees have no growth assumption in this model, so they stay at their entered monthly amount every year.