Cash you end up with if you sell — T3 in Melun — réel foncier · ID 05Réel foncierRental account at the sale + cash from the sale after tax
Selling at the end of year 1, you end up with -€1,387 (€902 + -€2,289).
Where each number comes from
Each link opens the page that calculates that figure.
- Your rental account Opening + interest after the flat tax + cash flow after tax (+ payment after the purchase)
- 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
- 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
- Tax on the gain when you sell Plus-value des particuliers: the better of the flat or the actual purchase costs and works not deducted
- What the sale leaves after the loan and fees Net Sale Proceeds Ledger
- CSG tax back of the sale year earned in the sale year, paid 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
- Tax saving taken back a sale within 3 years of a deficit set against your other income
Part 1. Sale at the end of year 1
- Your rental account at the sale€902
- +Cash from the sale, after tax(-€2,289)
- =Cash you end up with, year 1(-€1,387)
- Cash you end up with, year 1(-€1,387)
- −Total cash put in, years 0–1€33,400
- =Net gain, year 1(-€34,787)
Part 2. Every year
| Year | Your rental account at the sale | Cash from the sale, after tax | Cash you end up with | Total cash put in | Net gain if you sell |
|---|---|---|---|---|---|
| 1 | €902 | -€2,289 | -€1,387 | €33,400 | -€34,787 |
| 2 | €0 | €3,640 | €3,640 | €34,690 | -€31,050 |
| 3 | €0 | €9,734 | €9,734 | €36,801 | -€27,067 |
| 4 | €0 | €19,206 | €19,206 | €38,812 | -€19,606 |
| 5 | €0 | €25,642 | €25,642 | €40,721 | -€15,079 |
| 6 | €0 | €32,290 | €32,290 | €43,264 | -€10,974 |
| 7 | €0 | €39,129 | €39,129 | €46,534 | -€7,406 |
| 8 | €0 | €46,127 | €46,127 | €49,793 | -€3,666 |
| 9 | €0 | €53,324 | €53,324 | €53,075 | €249 |
| 10 | €0 | €60,724 | €60,724 | €56,381 | €4,343 |
| 11 | €0 | €68,335 | €68,335 | €59,714 | €8,621 |
| 12 | €0 | €76,163 | €76,163 | €63,076 | €13,088 |
| 13 | €0 | €84,216 | €84,216 | €66,469 | €17,747 |
| 14 | €0 | €92,500 | €92,500 | €69,896 | €22,603 |
| 15 | €0 | €101,022 | €101,022 | €73,360 | €27,663 |
| 16 | €0 | €109,792 | €109,792 | €76,862 | €32,930 |
| 17 | €0 | €118,816 | €118,816 | €80,406 | €38,409 |
| 18 | €0 | €128,103 | €128,103 | €83,995 | €44,107 |
| 19 | €0 | €137,661 | €137,661 | €87,631 | €50,029 |
| 20 | €0 | €147,499 | €147,499 | €91,318 | €56,180 |
| 21 | €0 | €157,495 | €157,495 | €95,059 | €62,436 |
| 22 | €0 | €167,691 | €167,691 | €98,857 | €68,835 |
| 23 | €0 | €178,259 | €178,259 | €102,716 | €75,544 |
| 24 | €0 | €189,203 | €189,203 | €106,638 | €82,565 |
| 25 | €0 | €200,536 | €200,536 | €110,629 | €89,907 |