What each invests, year by year — T3 in Dammarie-lès-Lys — main home · ID 06Main homeThe same budget on both sides; the renter’s savings and the owner’s investments at the rate d
Renter’s savings (year 20): €86,641.
Where each number comes from
Each link opens the page that calculates that figure.
- Cash at purchase Down payment + works + furniture (+ the shortfall you cover when the loan is not enough)
- Payments after the purchase Unspent down payment used first, then what you pay after the purchase
- Cash at purchase Down payment + works + furniture (+ the shortfall you cover when the loan is not enough)
- Money lost and principal repaid, year by year Yearly outflow = money lost + principal repaid
- Loan paid off (equity built) Equity from Loan
- Cash at the end if you sell Sale price − selling costs − loans still owed + unspent down payment
- What you pay each month One year’s outflow ÷ 12, line by line
- Money lost and principal repaid, year by year Yearly outflow = money lost + principal repaid
- Loan paid off (equity built) Equity from Loan
- Money lost and principal repaid, year by year Yearly outflow = money lost + principal repaid
Part 1. The year’s budget, the same on both sidesThe higher of what the buyer pays (loan payments counted to the end, even once repaid) and the rent + insurance
| Year | Paid by the buyer | Freed loan payments | Rent and insurance | Budget |
|---|---|---|---|---|
| 1 | €14,327 | €0 | €12,612 | €14,327 |
| 2 | €14,403 | €0 | €12,786 | €14,403 |
| 3 | €14,480 | €0 | €12,962 | €14,480 |
| 4 | €14,559 | €0 | €13,141 | €14,559 |
| 5 | €14,639 | €0 | €13,322 | €14,639 |
| 6 | €14,721 | €0 | €13,506 | €14,721 |
| 7 | €14,804 | €0 | €13,692 | €14,804 |
| 8 | €14,889 | €0 | €13,881 | €14,889 |
| 9 | €14,976 | €0 | €14,073 | €14,976 |
| 10 | €15,065 | €0 | €14,267 | €15,065 |
| 11 | €15,155 | €0 | €14,465 | €15,155 |
| 12 | €15,247 | €0 | €14,664 | €15,247 |
| 13 | €15,341 | €0 | €14,867 | €15,341 |
| 14 | €15,437 | €0 | €15,072 | €15,437 |
| 15 | €15,535 | €0 | €15,281 | €15,535 |
| 16 | €15,635 | €0 | €15,492 | €15,635 |
| 17 | €15,736 | €0 | €15,706 | €15,736 |
| 18 | €15,840 | €0 | €15,923 | €15,923 |
| 19 | €15,946 | €0 | €16,144 | €16,144 |
| 20 | €16,054 | €0 | €16,367 | €16,367 |
| 21 | €16,164 | €0 | €16,593 | €16,593 |
| 22 | €16,276 | €0 | €16,823 | €16,823 |
| 23 | €16,391 | €0 | €17,056 | €17,056 |
| 24 | €16,508 | €0 | €17,292 | €17,292 |
| 25 | €16,627 | €0 | €17,531 | €17,531 |
Part 2. The renter’s savings, year by yearWhat they earn (at d, already after tax), plus the budget, minus the rent and insurance
| Year | Savings at the start | Return (d) | Budget | Rent and insurance | Savings at the end |
|---|---|---|---|---|---|
| 1 | €27,500 | €1,100 | €14,327 | -€12,612 | €30,315 |
| 2 | €30,315 | €1,213 | €14,403 | -€12,786 | €33,145 |
| 3 | €33,145 | €1,326 | €14,480 | -€12,962 | €35,988 |
| 4 | €35,988 | €1,440 | €14,559 | -€13,141 | €38,845 |
| 5 | €38,845 | €1,554 | €14,639 | -€13,322 | €41,716 |
| 6 | €41,716 | €1,669 | €14,721 | -€13,506 | €44,599 |
| 7 | €44,599 | €1,784 | €14,804 | -€13,692 | €47,495 |
| 8 | €47,495 | €1,900 | €14,889 | -€13,881 | €50,402 |
| 9 | €50,402 | €2,016 | €14,976 | -€14,073 | €53,321 |
| 10 | €53,321 | €2,133 | €15,065 | -€14,267 | €56,251 |
| 11 | €56,251 | €2,250 | €15,155 | -€14,465 | €59,192 |
| 12 | €59,192 | €2,368 | €15,247 | -€14,664 | €62,142 |
| 13 | €62,142 | €2,486 | €15,341 | -€14,867 | €65,102 |
| 14 | €65,102 | €2,604 | €15,437 | -€15,072 | €68,071 |
| 15 | €68,071 | €2,723 | €15,535 | -€15,281 | €71,048 |
| 16 | €71,048 | €2,842 | €15,635 | -€15,492 | €74,032 |
| 17 | €74,032 | €2,961 | €15,736 | -€15,706 | €77,024 |
| 18 | €77,024 | €3,081 | €15,923 | -€15,923 | €80,105 |
| 19 | €80,105 | €3,204 | €16,144 | -€16,144 | €83,309 |
| 20 | €83,309 | €3,332 | €16,367 | -€16,367 | €86,641 |
| 21 | €86,641 | €3,466 | €16,593 | -€16,593 | €90,107 |
| 22 | €90,107 | €3,604 | €16,823 | -€16,823 | €93,711 |
| 23 | €93,711 | €3,748 | €17,056 | -€17,056 | €97,460 |
| 24 | €97,460 | €3,898 | €17,292 | -€17,292 | €101,358 |
| 25 | €101,358 | €4,054 | €17,531 | -€17,531 | €105,412 |
Part 3. The owner’s investments, year by yearThe budget minus what the buyer pays: the loan payments no longer made, or the gap when the rent is above the owner’s costs
| Year | Budget | Paid by the buyer | Invested | Return (d) | Investments at the end |
|---|---|---|---|---|---|
| 1 | €14,327 | -€14,327 | €0 | €0 | €0 |
| 2 | €14,403 | -€14,403 | €0 | €0 | €0 |
| 3 | €14,480 | -€14,480 | €0 | €0 | €0 |
| 4 | €14,559 | -€14,559 | €0 | €0 | €0 |
| 5 | €14,639 | -€14,639 | €0 | €0 | €0 |
| 6 | €14,721 | -€14,721 | €0 | €0 | €0 |
| 7 | €14,804 | -€14,804 | €0 | €0 | €0 |
| 8 | €14,889 | -€14,889 | €0 | €0 | €0 |
| 9 | €14,976 | -€14,976 | €0 | €0 | €0 |
| 10 | €15,065 | -€15,065 | €0 | €0 | €0 |
| 11 | €15,155 | -€15,155 | €0 | €0 | €0 |
| 12 | €15,247 | -€15,247 | €0 | €0 | €0 |
| 13 | €15,341 | -€15,341 | €0 | €0 | €0 |
| 14 | €15,437 | -€15,437 | €0 | €0 | €0 |
| 15 | €15,535 | -€15,535 | €0 | €0 | €0 |
| 16 | €15,635 | -€15,635 | €0 | €0 | €0 |
| 17 | €15,736 | -€15,736 | €0 | €0 | €0 |
| 18 | €15,923 | -€15,840 | €83 | €0 | €83 |
| 19 | €16,144 | -€15,946 | €198 | €3 | €284 |
| 20 | €16,367 | -€16,054 | €313 | €11 | €609 |
| 21 | €16,593 | -€16,164 | €429 | €24 | €1,062 |
| 22 | €16,823 | -€16,276 | €547 | €42 | €1,651 |
| 23 | €17,056 | -€16,391 | €665 | €66 | €2,382 |
| 24 | €17,292 | -€16,508 | €784 | €95 | €3,261 |
| 25 | €17,531 | -€16,627 | €904 | €130 | €4,296 |