Yearly return before tax — map — T3 in Melun — réel foncier · ID 05Réel foncier
Year 20, if you keep the property, as if there were no tax: every euro you put in, placed at the yearly rate until year 20, adds up to what the property is worth to you.
Your money grew as in a savings account paying 5.82% a year.
- Your money (the same circles as the main map)
- What you have, and the yearly return
- Your money (the same circles as the main map)
- What you have, and the yearly return
You put in €33,400 at the purchase and €26,156 afterwards (payments after the purchase). Your property earned as much as a savings account paying 5.82% a year: the money you put in, placed at that rate, would give exactly €157,845 in year 20 — what you have (net worth before tax, year 20).
What this calculation leaves out
- This map reads the calculation the way a savings account works: each euro put in grows at the yearly rate until year N (× (1 + r)^(N − t)), and together they give the final amount. Only one yearly rate makes this true: that is the yearly return.
- Only the money that leaves your pocket counts as money put in. The rent left and the account interest stay in your rental account: they are inside the final amount.
- Rates are shown with 2 decimals, amounts under €1,000 with their cents and larger amounts in whole euros. Only the display is rounded: every calculation uses the exact amounts.
- The payments of years 2 to N − 1 share one circle: open it for the table, year by year.
- Not sold: the final amount is what the property is worth to you, not cash in hand (no selling costs, no tax on the sale).
Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.