Your rental account — T3 in Melun — réel foncier · ID 05Réel foncierOpening + interest after the flat tax + cash flow after tax (+ payment after the purchase)
End of year 20: your rental account holds €0.
Where each number comes from
Each link opens the page that calculates that figure.
- Income tax, social contributions and cash flow after tax Taxable income × (your bracket + 17.2%), tax saved on other income, CSG tax back the next year
- Deductible charges and taxable income Réel foncier: gross rent − interest − other deductible charges − past deficits
- Rent collected the rent of the cash-flow page (charges included)
- Deficits carried forward Used against later rental profit, oldest first; lost after 10 years
- Déficit foncier Interest part / other part, up to €10,700 against your other income at your bracket, take-back if sold within 3 years
- Déficit foncier Interest part / other part, up to €10,700 against your other income at your bracket, take-back if sold within 3 years
- Deductible charges and taxable income Réel foncier: gross rent − interest − other deductible charges − past deficits
- Cash flow before tax (rent − costs − loan payments) Cash Flow
- Deductible charges and taxable income Réel foncier: gross rent − interest − other deductible charges − past deficits
Part 1. Your rental account, after taxthe account the wealth after tax, the cash if sold and the return use
It opens with €0 (the cash left after the purchase) and earns 3.00% a year when positive, minus the 31.4% flat tax on that interest. With no lender, you add cash whenever it would close below €0 (a payment after the purchase, counted in the total cash put in).
Your rental account, end of year 20€0
Interest kept after the flat tax, years 1–20€19
Flat tax on the interest, years 1–20€8
Payments after the purchase, years 1–20€57,918
| Year | Opening | Interest | Flat tax | Cash flow after the yearly tax | Payment after the purchase | Closing |
|---|---|---|---|---|---|---|
| 1 | €0 | €0 | €0 | €902 | €0 | €902 |
| 2 | €902 | €27 | €8 | -€2,210 | €1,290 | €0 |
| 3 | €0 | €0 | €0 | -€2,111 | €2,111 | €0 |
| 4 | €0 | €0 | €0 | -€2,011 | €2,011 | €0 |
| 5 | €0 | €0 | €0 | -€1,909 | €1,909 | €0 |
| 6 | €0 | €0 | €0 | -€2,543 | €2,543 | €0 |
| 7 | €0 | €0 | €0 | -€3,270 | €3,270 | €0 |
| 8 | €0 | €0 | €0 | -€3,259 | €3,259 | €0 |
| 9 | €0 | €0 | €0 | -€3,281 | €3,281 | €0 |
| 10 | €0 | €0 | €0 | -€3,306 | €3,306 | €0 |
| 11 | €0 | €0 | €0 | -€3,333 | €3,333 | €0 |
| 12 | €0 | €0 | €0 | -€3,362 | €3,362 | €0 |
| 13 | €0 | €0 | €0 | -€3,393 | €3,393 | €0 |
| 14 | €0 | €0 | €0 | -€3,427 | €3,427 | €0 |
| 15 | €0 | €0 | €0 | -€3,463 | €3,463 | €0 |
| 16 | €0 | €0 | €0 | -€3,502 | €3,502 | €0 |
| 17 | €0 | €0 | €0 | -€3,544 | €3,544 | €0 |
| 18 | €0 | €0 | €0 | -€3,589 | €3,589 | €0 |
| 19 | €0 | €0 | €0 | -€3,636 | €3,636 | €0 |
| 20 | €0 | €0 | €0 | -€3,687 | €3,687 | €0 |
| 21 | €0 | €0 | €0 | -€3,741 | €3,741 | €0 |
| 22 | €0 | €0 | €0 | -€3,798 | €3,798 | €0 |
| 23 | €0 | €0 | €0 | -€3,859 | €3,859 | €0 |
| 24 | €0 | €0 | €0 | -€3,923 | €3,923 | €0 |
| 25 | €0 | €0 | €0 | -€3,991 | €3,991 | €0 |
Part 2. The same account, before any taxno income tax, no social contributions, no flat tax — the "before any tax" stage
End of year 20: €0 before any tax, against €0 after tax.
| Year | Opening | Interest | Cash flow before tax | Payment after the purchase | Closing |
|---|---|---|---|---|---|
| 1 | €0 | €0 | -€2,308 | €2,308 | €0 |
| 2 | €0 | €0 | -€2,210 | €2,210 | €0 |
| 3 | €0 | €0 | -€2,111 | €2,111 | €0 |
| 4 | €0 | €0 | -€2,011 | €2,011 | €0 |
| 5 | €0 | €0 | -€1,909 | €1,909 | €0 |
| 6 | €0 | €0 | -€1,807 | €1,807 | €0 |
| 7 | €0 | €0 | -€1,703 | €1,703 | €0 |
| 8 | €0 | €0 | -€1,597 | €1,597 | €0 |
| 9 | €0 | €0 | -€1,491 | €1,491 | €0 |
| 10 | €0 | €0 | -€1,383 | €1,383 | €0 |
| 11 | €0 | €0 | -€1,274 | €1,274 | €0 |
| 12 | €0 | €0 | -€1,164 | €1,164 | €0 |
| 13 | €0 | €0 | -€1,053 | €1,053 | €0 |
| 14 | €0 | €0 | -€940 | €940 | €0 |
| 15 | €0 | €0 | -€826 | €826 | €0 |
| 16 | €0 | €0 | -€710 | €710 | €0 |
| 17 | €0 | €0 | -€593 | €593 | €0 |
| 18 | €0 | €0 | -€475 | €475 | €0 |
| 19 | €0 | €0 | -€356 | €356 | €0 |
| 20 | €0 | €0 | -€235 | €235 | €0 |
| 21 | €0 | €0 | -€112 | €112 | €0 |
| 22 | €0 | €0 | €11 | €0 | €11 |
| 23 | €11 | €0 | €137 | €0 | €148 |
| 24 | €148 | €4 | €263 | €0 | €416 |
| 25 | €416 | €12 | €391 | €0 | €820 |