税前 120000， 比较稳定, 家庭 带2个孩子
准备买50万房子，首付10万，按现在3%年利率算，估计每月剩下3000左右撑吗 (有应急
支出，孩子不需要daycare)？
还有算的对嘛？ 能够贷到款吗？
1. Tax deductible items
贷款利息： 12,000 = 400,000 * 0.03 (按照第一年算，以后减少不过工资也
涨）
Property tax: 10,000 = 500,000 * 0.02
retirement & pension: 12,000 (按照 10%）
2. Tax: 20,575
taxable income = 86,000 = 120,000 - 利息 - Property tax - retirement &
Pension
Federal tax (2015 rate): 13,088 = 10312.5+0.25*(86,000-74900)
State tax : 6000 = 120,000 * 0.05 (suppose 5% flat rate)
city tax: 1800 = 120,000 * 0.015 (flat 1.5%)
Medicare tax: 1200 = 120,000 * 0.0125 ( no SSN tax for faculties)
3. After tax income: 99,425
4, 固定支出
Mortgage: 33,168
Property tax: 10,000
HOA: 1,000
Pension: 12,000
Medical: 3,000
车贷： 4000
房保险： 1000
5. 剩余： 35,257/年 = 2,938/月
6. DTI: 40.97% = ( mortgage + property tax + HOA + 车贷 + 房保险）/ 税前
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