ความคิดเห็นที่ 8
Assumptions:
1. Your annual income is $48,000.
2. You are single.
3. You are a salaried employee. Means you are working for an American corporate.
4. For simplicity sake, you live in Illinois (tax rate is flat).
5. You contribute 5% of annual income towards retirement saving plan (401k or 403b)
Total deductions of your monthly paycheck will be:
1. Your federal income tax at 25% with a base of $4,090.
Your tax bracket is $29,700 - $71,950.
2. Social Security at 6.2% (The total is 12.4%,
your employer contributes the other half.),
3. Medicare at 1.45% (The total is 2.9%,
your employer takes care the other half.),
4. State tax at flat rate of 3%, with personal exemption of $2,000,
5. Retirement saving plan (401 k/403b) contributions, 5%
With all parameters above, let's do the calculations:
1. Federal tax:
= 4,090 + [(48,000 - 29,700) * .25]
= 8,665/yr
2. FICA (SS + Medicare):
= 48,000 * (.062+ .0145%)
= 3,672/yr
3. State Tax:
= 48,000 x .03
= 1,440/yr
Total Annual Tax = 8,665 + 3,672 + 1440
= $13,777.1/yr
Monthly Tax = $1,148.1
4. Retirement Saving Plan (401k/403b) Contributions:
= 48,000 *.05
= 2,400/yr
= 200/month
Monthly Deductions(taxes & 401k) = 1,148 + 200
= $1,348
Notes:
1. This does not include monthly insurance premiums i.e.
health + dental, accident and life. You do the math for the rest.
2. When you file tax each year you can use personal exempt as tax
deductible, in this case $2,000 for Illinois state and $3,200 for federal.
To understand more about tax, check at the following links:
http://www.wwwebtax.com/miscellaneous/exemptions.htm
http://www.taxadmin.org/fta/rate/ind_inc.html
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จากคุณ :
Thai Woman (ณารา) 
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4 พ.ค. 49 09:54:09
]
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