TAX版 - 买房tax benefit是怎么计算出来的？ |
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d*******1
发帖数: 175 | 1 刚刚在板内查了一下，有两种方法可以计算tax savings:
1)http://www.mortgage101.com/partner-scripts/1191.asp?p=mtg101&
2)(state tax + mortgage interest + property tax - standard tax deduction)*
marginal rate
有以下问题想请教大家：
1）1 好像比2算出来的少多了。
2）1的那个tax rate 一栏是怎么算出来的，是paycheck中，all tax deductions(fed
withholing + fed med/ee + fed oasdi/ee + state withholding)除以税前工资，还
是fed taxable wages(它排除410k+medical insurance etc)
3）marginal rate 是什么意思，难道和1的tax rate是一回事？
谢谢！！！！ | k**f
发帖数: 372 | 2
fed
(1) seems to have a flaw: no matter how you change the purchase month, the
results doesn't change. It might be using August regardless. If so, the
mortgage interest is not for the whole year, but only 5 months.
The 'tax rate' in (1) and the 'marginal rate' are the same, which are the
federal and state income tax rate on the last dollar of the income. The US
income tax system is progressive, that is, the tax rate on low income is low
, and higher income is taxed at higher rate. They are set
【在 d*******1 的大作中提到】
: 刚刚在板内查了一下，有两种方法可以计算tax savings:
: 1)http://www.mortgage101.com/partner-scripts/1191.asp?p=mtg101&
: 2)(state tax + mortgage interest + property tax - standard tax deduction)*
: marginal rate
: 有以下问题想请教大家：
: 1）1 好像比2算出来的少多了。
: 2）1的那个tax rate 一栏是怎么算出来的，是paycheck中，all tax deductions(fed
: withholing + fed med/ee + fed oasdi/ee + state withholding)除以税前工资，还
: 是fed taxable wages(它排除410k+medical insurance etc)
: 3）marginal rate 是什么意思，难道和1的tax rate是一回事？
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