California Paycheck Calculator
Calculate your California take-home pay after federal, CA state, and SDI taxes.
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California's High-Tax Reality
California has the highest state income tax in the United States, with a top marginal rate of 13.3% on income over $1 million. Even for middle-income earners, state taxes add a meaningful burden — someone earning $80,000 may pay 9.3% on much of their income. On top of that, SDI (State Disability Insurance) is deducted from every paycheck. Understanding all the layers of taxation is essential for financial planning in California.
California State Income Tax Brackets (2024)
California uses ten tax brackets ranging from 1% to 12.3% (plus a 1% mental health surcharge on incomes over $1 million). The brackets are not as steep as the top rate suggests — most middle-class workers pay an effective state rate of 4–7%. The CA standard deduction is modest at $5,202 for single filers and $10,404 for married, much lower than the federal standard deduction.
SDI: State Disability Insurance
California's SDI program provides short-term disability and paid family leave benefits. The 2024 SDI rate is 0.9% on all wages up to the annual SDI wage base of $153,164. This means the maximum SDI deduction for 2024 is $1,378.48. SDI contributions are not deductible on your federal return but are deductible on your CA state return.
Federal Taxes Apply Too
California workers also pay all federal income taxes and FICA contributions. The combined burden of federal + state + FICA means a California worker earning $120,000 might pay 35–40% in total taxes. Maximizing pre-tax deductions like 401(k), HSA, and health insurance premiums is especially valuable in California where every dollar deducted saves at both federal and state rates.
FAQ
- Does California have local income taxes? Generally no, though some cities have specific payroll taxes (e.g., San Francisco's payroll expense tax on employers).
- What is the CA SDI rate for 2024? 0.9% on wages up to $153,164, for a maximum annual contribution of $1,378.48.
- Are 401(k) contributions exempt from CA taxes? Yes, traditional 401(k) contributions reduce both your federal and California taxable income.
- Why is my CA withholding so high? California's relatively low standard deduction and higher tax rates result in more withholding compared to other states. Adjust your DE-4 form to fine-tune withholding.