發表時間： 2005-04-20 20:36:00作者：
假設4口之家，30萬(20% down)的房子，一人的401K及兩人的IRA等避稅養老金全存滿, 兩輛車:
Income -- $100,000
減去 One 401K $13,000 = $87,000
減去SSTax (7.65% * 87,000) $6,600 = $80,400
減去Federal Income Tax $7,300加上Child Income Credit $2,000 = $75,100
減去State Income Tax (3%) $1,800 = $73,300
減去Property Tax $4,000 = $69,300
減去Mortgage ($250,000 30yr 6%) $18,000 = $51,300
減去Property Tax and Insurance $4,500 = $46,800
減去Medical/Dental Insurance $2000 = $44,800
減去Roth IRA for two people $6,000 = $38,800
減去Two Car (loans, maintenance, insurance) $15,000 = $23,800
Income -- $100,000
減去 One 401K $13,000 = $87,000
減去SSTax (7.65% * 87,000) $6,600 = $80,400
減去Federal Income Tax $7,300加上Child Income Credit $2,000 = $75,100
減去State Income Tax (3%) $1,800 = $73,300
減去Property Tax $4,000 = $69,300
減去Mortgage ($250,000 30yr 6%) $18,000 = $51,300
減去Property Tax and Insurance $4,500 = $46,800
減去Medical/Dental Insurance $2000 = $44,800
減去Roth IRA for two people $6,000 = $38,800
減去Two Car (loans, maintenance, insurance) $15,000 = $23,800
平均每月剩下約$2,000, 要用於吃飯，穿衣，水電，房子維修，電話，cable，上網，手機，玩，旅遊，電器，計算機，傢俱，小孩教育，看病的co-pay，等等。
看來還是滿緊的。當然，這已包括每年存的兩萬養老金了。
各位看看這樣的計算是不是更準確一些？？
送交者: us-redfox
