Enter your pay, filing status and deductions. The calculator works out your full-year federal income tax, California income tax, Social Security, Medicare and CA SDI, then subtracts your benefits to show your take-home pay.
Results update instantly and can be viewed per paycheck or per year.
- Federal income tax – 10% to 37% brackets
- California income tax – 1% to 12.3%, plus 1% over $1 million
- Social Security – 6.2% up to the yearly wage cap
- Medicare – 1.45%, plus 0.9% on high earners
- CA SDI – disability and paid family leave on all wages
Money put into a traditional 401(k), health insurance, an HSA or an FSA is taken out before tax, so you pay less income tax. Health insurance, HSA and FSA also lower Social Security and Medicare. A 401(k) does not.
Your employer withholds tax using your W-4 and DE 4 forms, and bonuses are often withheld at a flat rate. This calculator shows your estimated actual yearly tax, so small differences from your pay stub are normal.
A single filer earning $100,000 with no deductions takes home roughly $73,000 a year, or about $6,080 a month, in 2026. Enter your own details above for an exact estimate.
CA SDI is State Disability Insurance. It funds disability and paid family leave benefits. It is a percentage of all your wages, with no yearly cap.
No. A traditional 401(k) lowers federal and California income tax only. Social Security, Medicare and CA SDI are still charged on that money.
Bonuses are taxed like regular pay in the end. Employers usually withhold 22% federal and 10.23% California up front, and any difference is settled when you file your return.
No. No city in California charges a personal income tax, so you can leave the local tax box at 0.