How your net worth is calculated, figure by figure — T3 in Melun — réel foncier · ID 05Réel foncier

In the middle, what the property leaves you at the end of the year you pick: your net worth if you keep it, or the cash in your pocket if you sell. Around it, the figures it is made of, joined by + and −: the property, the loan, your rental account before the taxes are taken out (rent left and payments after the purchase), and the taxes (income tax and social contributions on the rent, the flat tax on the account interest, the tax on the gain if you sell). Press « + » on a circle to see where that figure comes from; click a circle for its formula with your numbers, then open its map when it has one, otherwise its calculation.

The rent left after tax, year by year: its map →
+−−+−Cash you walk awaywith−€1,387if you sell in year 1Sale price€166,650end of year 1See its mapSelling costs€9,891agency + loan payoffSee its mapLoan left torepay€155,838end of year 1See its mapAccount beforetaxes are takenout−€2,308day-1 cash + rentleft + accountSee its mapTaxes if yousell€0paid so far + the taxon the saleSee its mapYearly returnif you sell−100%money-weighted,after every taxSee its mapMoney backyearyear 9sale ≥ all youpaid inSee its map
  • Property, loan and rent
  • Taxes (the State)
  • Your rental account
  • Sale
  • Your money
  • the result
  • another use of the figure (on hover)
  • +show / hide what goes into a figure
  • has its own map

In one line: In your pocket = sale price €166,650 − selling costs €9,891 − loan left to repay €155,838 − account before taxes are taken out €2,308 − taxes if you sell €0 = −€1,387

Each amount in the worked lines is rounded to the cent, so a line can differ by €0.01.