Upvote:1
Nobody will be excommunicated for not paying tithing. And nobody will dictate to you exactly what constitutes your 10%. If you don't feel like you can honestly answer that you are a full tithe payer, you will not be able to get a Temple recommend, but will otherwise be like any other member. No one but the Bishop will even know.
Upvote:2
I'm not gonna answer your question as-is because it's personal, but in general:
Tithing is between the individual and the Lord. Whatever the member honestly considers to be 10% of their increase or income is according to their conscience. At the end of every year, members are asked to declare their tithing payments to their bishop (and settle any discrepancies in the books, if present). One declares himself/herself being either a full tithe payer, partial tithe payer, or not a tithe payer.
Being a full tithe payer is one of the qualifications for holding a recommend to enter the temple.
Upvote:4
"Those who pay tithing do not do so under the duress of legal compulsion. No one is disfellowshipped or excommunicated because he fails to pay."
—Gorden B. Hinkley, "My Testimony", General Conference, October 1993.
Declaring yourself a full tithe payer is one of the qualifications for holding a recommend to enter the temple.
Tithing is defined by the following:
In 1838 the Lord reiterated this commandment through the Prophet Joseph Smith:
“My people … shall pay one-tenth of all their interest annually; and this shall be a standing law unto them forever” (Doctrine and Covenants 119:3–4). Interest is understood to mean income.