假设4口之家，30万(20% down)的房子，一人的401K及两人的IRA等避税养老金全存满, 两辆车:
Income -- $100,000
减去 One 401K $13,000 = $87,000
减去SSTax (7.65% * 87,000) $6,600 = $80,400
减去Federal Income Tax $7,300加上Child Income Credit $2,000 = $75,100
减去State Income Tax (3%) $1,800 = $73,300
减去Property Tax $4,000 = $69,300
减去Mortgage ($250,000 30yr 6%) $18,000 = $51,300
减去Property Tax and Insurance $4,500 = $46,800
减去Medical/Dental Insurance $2000 = $44,800
减去Roth IRA for two people $6,000 = $38,800
减去Two Car (loans, maintenance, insurance) $15,000 = $23,800
Income -- $100,000
减去 One 401K $13,000 = $87,000
减去SSTax (7.65% * 87,000) $6,600 = $80,400
减去Federal Income Tax $7,300加上Child Income Credit $2,000 = $75,100
减去State Income Tax (3%) $1,800 = $73,300
减去Property Tax $4,000 = $69,300
减去Mortgage ($250,000 30yr 6%) $18,000 = $51,300
减去Property Tax and Insurance $4,500 = $46,800
减去Medical/Dental Insurance $2000 = $44,800
减去Roth IRA for two people $6,000 = $38,800
减去Two Car (loans, maintenance, insurance) $15,000 = $23,800
平均每月剩下约$2,000, 要用于吃饭，穿衣，水电，房子维修，电话，cable，上网，手机，玩，旅游，电器，计算机，家具，小孩教育，看病的co-pay，等等。
看来还是满紧的。当然，这已包括每年存的两万养老金了。
各位看看这样的计算是不是更准确一些？？
送交者: us-redfox
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