Free SCPI Simulator 2026: Net Return After Tax

Calculate the net return on your SCPI investment after fees and taxes

Parameters

Investment amount

Monthly contribution

Distribution rate (%)

Annual revaluation (%)

Entry fees (%)

Duration (years)

Tax bracket (TMI)

SCPI type

European SCPIs benefit from favorable taxation (no 17.2% social charges)

Final capital

179 924 €

after 15 years · 4.5 % distribution

Total invested (gross)

140 000 €

Entry fees paid

-14 000 €

Gross cumulative revenues

+71 835 €

Net cumulative revenues

+37 929 €

Effective net return

2,40 %

Tax rate applied: 47,20 % (French SCPI)

Capital projection

Tax summary

SCPI typeFrench SCPI

Marginal tax rate30 %

Effective tax rate47,20 %

Total tax paid-33 906 €

Why invest in SCPIs?

SCPIs (Real Estate Investment Trusts) allow you to invest in real estate without management constraints. They offer regular returns through quarterly distributed rental income.

Attractive returns

Average distribution rate of 4.5% in 2024, higher than euro funds.

Diversification

Your investment is spread across many buildings and tenants.

Accessibility

Starting from a few hundred euros, without property management.

French vs European SCPI

Taxation differs depending on the geographic origin of the SCPI's income.

French SCPI

Marginal tax rate + 17.2% social charges. Standard property income taxation.

European SCPI

No social charges (17.2%). Tax credit or effective rate depending on treaty.

Fees to know

SCPIs involve several types of fees that must be factored into your return calculation.

Subscription fees

Usually 8-12% of the invested amount, charged upfront. Amortized over the holding period.

Management fees

10-13% of collected rents, already deducted from the displayed distribution rate.

Exit fees

Vary by SCPI. Often zero if the recommended holding period is respected.

Frequently asked questions

What is the average SCPI return?▼

The average distribution rate for SCPIs was 4.52% in 2024. European and thematic SCPIs can offer higher returns (5-7%) but with greater risk.

Are SCPIs risky?▼

Capital is not guaranteed. Risks include vacancy, falling property prices, and illiquidity. A minimum 8-10 year horizon is recommended.

How are SCPIs taxed?▼

French SCPI income is taxed as property income (marginal rate + 17.2% social charges). European SCPIs benefit from lighter taxation through tax treaties.

Can you buy SCPIs on credit?▼

Yes, it's a common strategy. Loan interest is deductible from property income, reducing taxation. Leverage can improve overall returns.