Money back year — map — Furnished flat-share in Melun — SCI à l’IS · ID 04SCI IS
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
- no payment after the purchase
By year 6 you had put in €60,233 (cash at purchase €60,233, no payment after the purchase). Selling in year 6 would leave you €60,657: €424.33 more than you put in — the first year it is covered, so year 6 is your money back year. In year 5 you would have walked away with €53,654: €6,579 short.
What this calculation leaves out
- Each year is read « if you sold that year »: the cash you walk away with is after the company tax, the exit tax and your compte courant repaid (the sale map).
- The rent is not counted apart: the money the company kept is already in what you walk away with at the sale.
- No discounting: a euro of year 20 counts like a euro today (the return rate, IRR, does take time into account).
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.