☀️ California
California Paycheck Calculator
Estimate your California take-home pay including federal tax, California's 9 progressive income tax brackets, the uncapped 1.3% SDI payroll tax, and FICA. Results update instantly as you type.
Your pay details
Results update instantly as you type.
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Take-Home Pay
$0.00
Gross Pay (Annual)$0
Federal Income Tax$0
CA State Tax + SDI$0
FICA (Social Security + Medicare)$0
Net Pay (Annual)$0
Effective Tax Rate
0%
Pre-tax Deductions
$0
☀️ California SDI is uncapped. Unlike most payroll taxes, the 1.3% State Disability Insurance tax applies to every dollar you earn — there's no wage ceiling.
📋 Assumes a standard W-4. This estimate assumes a single job with no dependents, tax credits, or extra withholding requested on Form W-4. If you claim dependents, work multiple jobs, or requested extra withholding, your actual paycheck will differ from this number.
California take-home pay by salary (2026 estimate)
Single filer, standard deduction, no pre-tax deductions. State tax column includes SDI.
| Gross Salary | Federal Tax | FICA | CA State Tax + SDI | Take-Home Pay |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,274 | $33,046 |
| $60,000 | $5,020 | $4,590 | $2,615 | $47,775 |
| $80,000 | $8,770 | $6,120 | $4,492 | $60,618 |
| $100,000 | $13,170 | $7,650 | $6,612 | $72,568 |
| $150,000 | $24,734 | $11,475 | $11,912 | $101,879 |
California tax facts (2026)
Income tax brackets
9 brackets, 1%–12.3%
Top effective rate
13.3% (over $1M)
Standard deduction (single)
$5,706
SDI rate
1.3%, no wage cap
California bracket thresholds shown are close approximations of the FTB's published 2026 schedule, adjusted for inflation. Always confirm exact figures with the California Franchise Tax Board.
How this is calculated
// California taxable income = gross pay − pre-tax deductions − CA standard deduction
CA Tax = bracket_tax(taxable_income) + 1% surtax (if taxable income > $1,000,000)
CA SDI = gross wages × 1.3% (no wage cap)
Take-Home Pay = Gross Pay − Federal Withholding − CA Tax − SDI − FICA − Pre-tax Deductions
// Both federal and CA withholding use the annualize → bracket → divide method
// (IRS Pub. 15-T / CA EDD DE 44). Additional Medicare uses a flat $200,000
// threshold regardless of filing status — that's the real payroll withholding rule.
// 401(k) reduces federal/CA taxable wages only. Health/HSA/FSA reduce those AND FICA/SDI wages.
CA Tax = bracket_tax(taxable_income) + 1% surtax (if taxable income > $1,000,000)
CA SDI = gross wages × 1.3% (no wage cap)
Take-Home Pay = Gross Pay − Federal Withholding − CA Tax − SDI − FICA − Pre-tax Deductions
// Both federal and CA withholding use the annualize → bracket → divide method
// (IRS Pub. 15-T / CA EDD DE 44). Additional Medicare uses a flat $200,000
// threshold regardless of filing status — that's the real payroll withholding rule.
// 401(k) reduces federal/CA taxable wages only. Health/HSA/FSA reduce those AND FICA/SDI wages.
Frequently asked questions
State Disability Insurance (SDI) is a payroll tax that funds short-term disability and paid family leave benefits. For 2026 the rate is 1.3% of all wages, with no wage cap — every dollar you earn is subject to it.
California's top regular bracket is 12.3%. An additional 1% Mental Health Services Tax applies to taxable income above $1,000,000, bringing the effective top rate to 13.3% — the highest of any U.S. state.
No. California does not tax Social Security retirement benefits, though it does tax most other forms of retirement income including pensions and 401(k)/IRA withdrawals.
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