Taking the total amount of Federal taxes you actually pay, and dividing that
amount by your gross income also finds your average Federal tax bracket.
Debt ratio: All monthly payments including the loan being considered, divided
by gross income equals the debt ratio;
All Actual Costs + Time Costs + Overhead Costs
divided by Gross Income Per Book = NUMBER OF SOLD BOOKS NEEDED TO BREAK EVEN.
Your back - or bottom - end ratio is all of your consumer loan payments, like student loans, credit cards, auto loans, and other obligations (but not utilities or other living expenses) divided
by your gross income.
It is the ratio of our monthly debt payments (credit cards, auto, student and personal loans, store credit accounts and any loans you co-signed) divided
by your gross income.
Add up all your debt payments and divide that
by your gross income.
The two calculations are housing expense divided
by gross income, and the total debt including other monthly debt payments divided by gross income.