No data to maintain
It is the main benefit, and it is invisible: there is nothing to update, so nothing to forget to update. Outstanding capital copied once a year is wrong the rest of the time.
Value and debt
Generated from the repayment schedule, so it ages on its own.
An outstanding loan capital entered by hand is wrong the following month. Recalculated from the loan terms, it is right every day without anyone touching it — and it is what turns a property value into real net worth.
A portfolio without the debt is not a portfolio, it is an inventory.
Adding up the value of three properties gives an impressive and unusable number. What counts — to choose between them, to convince a bank, to know whether a sale really frees up anything — is what remains after repaying the loan capital and paying the selling costs. Yet the outstanding capital is precisely the figure nobody keeps up to date: it changes every month, it appears on an annual statement nobody reads, and copying it into a spreadsheet means it will be wrong eleven months out of twelve. Generating it from the repayment schedule solves the problem once and for all, and that is what keeps every indicator that depends on it accurate at all times.
- Calculated from the amount, rate, term and start date
- Never stored, so never out of date: today’s value is recalculated
- The net value follows from it, estimated selling costs deducted
- Several loans per property, and several properties per ownership structure
In practice.
You enter the loan terms, once
Amount borrowed, rate, term, date of the first instalment, any deferral. These are the figures from your loan offer — they do not change, which means there is nothing to maintain afterwards.
The payment schedule is rebuilt
Interest and capital portions for each monthly instalment, over the whole term. The outstanding loan capital on a given date is no longer a figure to track down: it is a position in this schedule.
Net value is calculated
Estimated value of the property, minus outstanding loan capital, minus estimated selling costs. It is the figure that answers the question “if I sold today, what would I be left with” — and it carries the uncertainty of the value estimate, which is displayed with it.
Interest feeds the tax figures
The interest share of each instalment is deductible from rental income under the actual-expenses regime. Since it is calculated and not re-entered, it cannot diverge between your tracking and your return.
Several loans, several structures
A property can carry several loans, and properties can be held in your own name, through a société civile or in joint ownership (indivision). Debts are consolidated in proportion to your shares, structure by structure.
What it changes
The debt ratio becomes presentable
A bank considering new financing wants the actual outstanding loan capital and the value of the properties. Both exist, dated, with no last-minute reconstruction.
Arbitration rests on net value
Keeping or selling is not decided on gross value: a property that has risen sharply in value but is heavily indebted frees up little. The comparison between properties is therefore made on what remains.
The law, and the pitfalls
Interest on loans taken out for the acquisition, preservation, construction, repair or improvement of a rental property is deductible from rental income.
art. 31 I 1° d) of the French General Tax Code
It is the INTEREST that is deductible, not the monthly payment: the share of capital repaid never is. Deducting the whole monthly payment is the most common mistake in self-prepared returns, and it is immediately visible in a tax audit.
The borrower may repay early; the lender may then demand a penalty, capped at six months’ interest on the capital repaid and not exceeding 3% of the outstanding capital.
art. R. 313-25 of the French Consumer Code
The cap is a maximum, not an amount due: many contracts provide for exemptions, notably for a sale linked to a change in professional circumstances. Systematically including the maximum penalty in a resale calculation overstates the exit cost.
The annual percentage rate of charge must include all fees, commissions and remuneration linked to granting the credit, including compulsory insurance.
art. L. 314-1 et seq. of the French Consumer Code
Comparing two loans on their nominal rate tells you nothing: borrower insurance can make up a significant share of the total cost. That is why a renegotiation signal that only looked at the nominal rate would be misleading.
What Pilot refuses to do
Pilot does not store the outstanding loan capital
It recalculates it. A stored value becomes wrong from the next instalment, and nobody notices it has aged — the worst of both worlds: a precise figure that is out of date.
Pilot does not deduct the monthly loan payment from your income
Only the interest is deductible. Repaying the capital never is, and a tool that deducted the whole monthly payment would manufacture a rental deficit that does not exist.
art. 31 I 1° d) of the French General Tax Code
Pilot does not apply an early repayment penalty by default
It depends on your contract and on the reason for the sale, and many cases are exempt. Assuming the maximum would overstate the exit cost of each property, and so distort every arbitration.
Availability
Included from the Essentiel tier.
- 7-day trial at launch, card required
- No commitment
Frequently asked questions
Do I have to update my outstanding capital?
No, never. It is recalculated from the loan terms you entered once. That is precisely the point: a stored value would be wrong from the next instalment, with nothing to flag it.
How is net value calculated?
Estimated value of the property, minus outstanding loan capital, minus estimated selling costs. So it carries the uncertainty of the estimate, which is displayed with it.
Is the interest carried over into my tax return?
The interest share of each instalment is calculated and feeds the help with the return under the actual-expenses regime. Note: only interest is deductible, never the capital repaid — it is the most frequent mistake in self-prepared returns.
Can I record several loans on one property?
Yes, and debts are then consolidated by ownership structure, in proportion to your shares in a société civile or in joint ownership (indivision).
Is the early repayment penalty taken into account?
Not by default. It depends on your contract and on the reason for the sale, and many cases are exempt — notably a sale linked to a change in professional circumstances. Assuming it to be the maximum would overstate the exit cost of every property.
Right next to it.
Value and debt
A dated range, with its confidence level.
Anchored to the sales actually signed nearby, with the date of the estimate and its confidence level.
Performance
One definition of yield, everywhere.
Costs deducted, total cost in the denominator. One single definition of yield across the whole product.
Performance
Keep, sell, watch — or say nothing.
Ranked on net yield, IRR, and a keep / sell / watch verdict — suspended when the value is not certain enough.
Performance
Five regimes side by side, then the return box by box.
Micro-foncier, réel foncier, LMNP micro-BIC, LMNP réel and SCI subject to corporate tax compared side by side, then help with the 2044 return — and with the 2072-S for an SCI subject to income tax.
Content reviewed on 2026-08-06.
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