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Calculators›Individuals›California Take-Home Pay
IND-02Inputs: Pay, frequency, deductionsEstimate only

California take-home pay calculator

See what actually lands in your bank account after federal tax, Social Security, Medicare, California tax, and the uncapped state SDI — built on 2026 rates.

401(k), 403(b) — reduces income tax, not FICA.
Health / HSA premiums — reduces income tax and FICA.
Take-home Federal tax FICA CA tax + SDI Pre-tax savings
Surprised how much California takes? Smart withholding and pre-tax planning put real money back in your pocket — let's look.
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Estimate only, for planning — not tax advice or an exact paystub. Federal income tax uses 2026 brackets and the standard deduction; FICA is 6.2% Social Security up to the $184,500 wage base plus 1.45% Medicare (and 0.9% additional Medicare on wages over $200,000). California income tax uses the latest published FTB rate schedule (2025 — California finalizes 2026 brackets later in the year) with the $5,706 / $11,412 standard deduction, plus State Disability Insurance at the 2026 rate of 1.3% on all wages with no cap. Pre-tax retirement reduces income tax only; pre-tax benefits reduce income tax and FICA — note California does not conform to HSA deductions. This estimates annualized tax, not your employer's exact per-paycheck W-4/DE-4 withholding, and excludes other local or voluntary deductions. Confirm with a CPA.