Your California take-home pay after federal tax, FICA, state income tax up to 12.3% and the 1.3% SDI withheld from every paycheck.
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Take-home pay--
Federal income tax uses the 2026 IRS brackets and standard deduction; Social Security and Medicare are the employee share. Local taxes other than NYC are not included. Paycheck calculator for every state →
California has 9 brackets from 1% to 12.3% for single filers; the 12.3% rate starts above $768,213 of taxable income ($1,536,426 for married couples filing jointly). Taxable income over $1,000,000 pays another 1% (the Behavioral Health Services Tax).
How much is California SDI?
1.3% of wages in 2026, with no wage limit. It funds disability and Paid Family Leave benefits and is worked out on gross pay — 401(k) contributions do not reduce it.
What is the California standard deduction for 2026?
$5,900 for single filers and $11,800 for married couples filing jointly, plus a personal exemption credit of $158 ($316 joint) that is taken off the tax itself.
Are 401(k) contributions taxed in California?
Not by California income tax — like the federal return, state taxable wages exclude your 401(k) contributions. They are still subject to SDI.
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