m*****t
发帖数: 1987 | 1 75K的税前收入，借380K (5% interest rate)的房贷算死撑吗？ | w********t
发帖数: 5586 | 2 算很撑.....
assume 50W house,
monthly 2100 p&interest + insurance+ 500 tax
that's 2600
7.5w annual, take 10% 401k, 10% SStax/medi tax, 25% state /fed tex..
can bring back about 4w / 12, about 3600 each month bring back home
so u need to plan everything with 1k. | m*****t
发帖数: 1987 | 3 How much of loan would be fine? Thanks.
【在 w********t 的大作中提到】
: 算很撑.....
: assume 50W house,
: monthly 2100 p&interest + insurance+ 500 tax
: that's 2600
: 7.5w annual, take 10% 401k, 10% SStax/medi tax, 25% state /fed tex..
: can bring back about 4w / 12, about 3600 each month bring back home
: so u need to plan everything with 1k.
| w********t
发帖数: 5586 | 4 75k*3-3.5=245k-300k will be comfortable | a*******t
发帖数: 867 | 5
撑是比较撑的。不过你的税计算不对。
假如２口之家。
Exemption 有７K，
Mortgage利息加地税Deduction 有３０K
４０１放７。５K （１０％）。
大概需要交税的部分就３０K吧，联邦税也就４K左右。６％都不到。州税就更少了。如
果用上FSA就更好了。
另外SS／MED 没有１０％。
【在 w********t 的大作中提到】
: 算很撑.....
: assume 50W house,
: monthly 2100 p&interest + insurance+ 500 tax
: that's 2600
: 7.5w annual, take 10% 401k, 10% SStax/medi tax, 25% state /fed tex..
: can bring back about 4w / 12, about 3600 each month bring back home
: so u need to plan everything with 1k.
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