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Home Affordability Calculator

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Sandia Area Federal Credit Union
P.O. Box 18044
Albuquerque, NM 87185

1.505.292.6343
1.800.228.4031

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National Credit Union AdministrationEqual Housing Lender

This Credit Union is federally insured by the National Credit Union Administration (NCUA).

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)

Income - Single Income - Head of Household Income - Married Filing Jointly Income - Married Filing Separately Federal Tax Rate
$0 - $11,600 $0 - $16,550 $0 - $23,200 $0 - $11,600 10%
$11,601 - $47,150 $16,551 - $63,100 $23,201 - $94,300 $11,601 - $47,150 12%
$47,151 - $100,525 $63,101 - $100,500 $94,301 - $201,150 $47,151 - $100,525 22%
$100,526 - $191,950 $100,501 - $191,950 $201,151 - $383,900 $100,526 - $191,950 24%
$191,951 - $243,725 $191,951 - $243,700 $383,901 - $487,450 $191,951 - $243,725 32%
$243,726 - $609,350 $243,701 - $609,350 $487,451 - $731,200 $243,726 - $365,600 35%
$609,351+ $609,351+ $731,201 $365,601 37%

2023-2024 Average Cost of Colleges & Universities

Type Residence Tuition & Fees With Room & Board
Public 4yr
Residence:
In-state
Tuition & Fees:
$11,260
With Room & Board:
$24,030
Public 4yr
Residence:
Out-of-State
Tuition & Fees:
$29,150
With Room & Board:
$41,920
Public 2yr
Residence:
In-State
Tuition & Fees:
$3,990
With Room & Board:
$13,960
Private 4yr
Residence:
N/A
Tuition & Fees:
$41,540
With Room & Board:
$56,190

Historic Rates of Return 1926-2023

Inflation 2.9%
U.S. Treasury Bills 3.3%
Long-Term Government Bonds 5.1%
U.S. Large-Company Stocks 10.3%
U.S. Small-Company Stocks 11.8%

Social Security Amount

This calculator will estimate your monthly Social Security amount based on the the income(s) and marital status provided. If you would like to override this estimated amount with a different amount, you may do so by entering that amount here.

72(t) Distribution Amounts

IRS Notice 2022-62 provides that taxpayers may use—beginning with payments starting in 2022 or later—the greater of 120% of the applicable Federal mid-term rate, or 5% to calculate 72(t) payments using the Amortization or Annuitization methods.

The RMD method does not use an interest rate.

Click here for Federal Mid-Term Rates

10-Year U.S. Inflation: Average 1.9%

Year Inflation Rate
2014 1.6%
2015 0.1%
2016 1.3%
2017 2.1%
2018 2.4%
2019 1.8%
2020 1.2%
2021 4.7%
2022 8.0%
2023 4.1%

Source: U.S. Department of Labor

Back End Ratio

Also known as the debt ratio, lenders use this ratio, along with the front-end ratio, to determine the maximum loan amount. Debt ratio equals your combined monthly mortgage payment plus any other monthly debt obligations, such as credit cards and alimony, divided by your gross monthly income. Use a back-end ratio of 33% for conservative results and as high as 42% for aggressive results (usually requires excellent credit and a higher down payment).

Front End Ratio

Also known as the housing ratio, lenders use this ratio along with the back-end ratio to determine the maximum loan amount. The housing ratio equals the combined (principal + interest + taxes + insurance) monthly mortgage payment divided by your gross monthly income. For example, a combined monthly mortgage payment of $1,200 divided by gross monthly income of $4,500 equals a housing ratio of 27%. Use a front-end ratio of 28% for conservative results and as high as 36% for aggressive results (usually requires excellent credit and a higher down payment).

RMD Calculations

Note: for the Current Year RMD calculations, the beneficiary's date of birth impacts the calculation only if the beneficiary is the spouse. In situations where there are multiple beneficiaries on the account, use the birthdate of th eldest beneficiary. This follows IRS rules that treat the oldest beneficiary's life expectancy as the basis for RMDs unless separate accounts have been established for each beneficiary by the end of the year following the owner's death.

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