Yearly return if you sell, after every tax — T3 in Melun — réel foncier · ID 05Réel foncierMoney-weighted return (MWRR) after the sale
Selling at the end of year 20: 3.69% a year on the money you put in, after every tax.
Where each number comes from
Each link opens the page that calculates that figure.
- Cash you end up with if you sell Rental account at the sale + cash from the sale after tax
- 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
- Your rental account Opening + interest after the flat tax + cash flow after tax (+ payment after the purchase)
- 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
Part 1. Cash at purchase and payments after the purchase
€33,400 at the start (year 0), then €57,918 of payments after the purchase, each in its own year.
Part 2. What your money became, years 1–20
| Year | Cash flow after the yearly tax | Interest after the flat tax | Total |
|---|---|---|---|
| 1 | €902 | €0 | €902 |
| 2 | -€2,210 | €19 | -€2,192 |
| 3 | -€2,111 | €0 | -€2,111 |
| 4 | -€2,011 | €0 | -€2,011 |
| 5 | -€1,909 | €0 | -€1,909 |
| 6 | -€2,543 | €0 | -€2,543 |
| 7 | -€3,270 | €0 | -€3,270 |
| 8 | -€3,259 | €0 | -€3,259 |
| 9 | -€3,281 | €0 | -€3,281 |
| 10 | -€3,306 | €0 | -€3,306 |
| 11 | -€3,333 | €0 | -€3,333 |
| 12 | -€3,362 | €0 | -€3,362 |
| 13 | -€3,393 | €0 | -€3,393 |
| 14 | -€3,427 | €0 | -€3,427 |
| 15 | -€3,463 | €0 | -€3,463 |
| 16 | -€3,502 | €0 | -€3,502 |
| 17 | -€3,544 | €0 | -€3,544 |
| 18 | -€3,589 | €0 | -€3,589 |
| 19 | -€3,636 | €0 | -€3,636 |
| 20 | -€3,687 | €0 | -€3,687 |
- Cash left in your rental account after the purchase€0
- +Cash from the sale, after tax€147,499
- =Added in year 20, the sale€147,499
- Money into your account, years 1–20(-€57,918)
- +Added in year 20, the sale€147,499
- −Cash at purchase€33,400
- =Total profit€56,180
- Total cash put in€91,318
- +Total profit€56,180
- =Final amount€147,499
Check: your rental account at the end of year 20 (€0.00) + the cash from the sale (€147,498.66) = €147,498.66.
Part 3. The formula
R = 3.68745933%: Σ Inj_t × (1 + R)^(20 − t) = €147,498.66; minus the final amount €147,498.66 = €0.00 — R is the rate that makes this €0. Each amount is put in at the end of its year t and grows from the next year on, for N − t years (the cash at purchase, year 0, for all N).
Part 4. The result
Total cash put in€91,318
Final amount€147,499
Multiple1.62
Yearly return3.69%
Part 5. If you sold another year
| Year | Final amount | Yearly return1 |
|---|---|---|
| 1 | -€1,387 | — |
| 2 | €3,640 | -73.47% |
| 3 | €9,734 | -41.00% |
| 4 | €19,206 | -18.66% |
| 5 | €25,642 | -10.38% |
| 6 | €32,290 | -5.77% |
| 7 | €39,129 | -3.09% |
| 8 | €46,127 | -1.24% |
| 9 | €53,324 | 0.07% |
| 10 | €60,724 | 1.02% |
| 11 | €68,335 | 1.71% |
| 12 | €76,163 | 2.23% |
| 13 | €84,216 | 2.62% |
| 14 | €92,500 | 2.92% |
| 15 | €101,022 | 3.14% |
| 16 | €109,792 | 3.32% |
| 17 | €118,816 | 3.45% |
| 18 | €128,103 | 3.55% |
| 19 | €137,661 | 3.63% |
| 20 | €147,499 | 3.69% |
| 21 | €157,495 | 3.72% |
| 22 | €167,691 | 3.75% |
| 23 | €178,259 | 3.76% |
| 24 | €189,203 | 3.77% |
| 25 | €200,536 | 3.78% |