California Paycheck Calculator - SmartAsset (2023)

California Paycheck Calculator

California Paycheck Calculator - SmartAsset (1)

California Paycheck Quick Facts

  • California income tax rate: 1.00% - 13.30%
  • Median household income in California: $83,056 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 1

How Your California Paycheck Works

Your job probably pays you either an hourly wage or an annual salary. But unless you’re getting paid under the table, your actual take-home pay will be lower than the hourly or annual wage listed on your job contract. The reason for this discrepancy between your salary and your take-home pay has to do with the tax withholdings from your wages that happen before your employer pays you. There may also be contributions toward insurance coverage, retirement funds, and other optional contributions, all of which can lower your final paycheck.

When calculating your take-home pay, the first thing to come out of your earnings are FICA taxes for Social Security and Medicare. Your employer withholds a 6.2% Social Security tax and a 1.45% Medicare tax from your earnings after each pay period. If you earn over $200,000, you’ll also pay a 0.9% Medicare surtax. Your employer matches the 6.2% Social Security tax and the 1.45% Medicare tax in order to make up the full FICA taxes requirements. If you work for yourself, you’ll have to pay the self-employment tax, which is equal to the employee and employer portions of FICA taxes for a total of 15.3% of your pay. (Luckily, there is a deduction for the part of FICA taxes that your employer would normally pay.)

Other factors that can affect the size of your paycheck in California or in any other state include your marital status, your pay frequency and what deductions and contributions you make. If you make contributions to your company’s health insurance plan, for example, that payment will be deducted from each of your paychecks before the money hits your bank account. The same goes for contributions you make to a 401(k) or a Health Savings Account (HSA).

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In recent years, the IRS released updated tax withholding guidelines, and taxpayers should have seen changes to their paychecks starting in 2018. The IRS also made revisions to the Form W-4. This version removes the use of allowances, along with the option of claiming personal or dependency exemptions. Instead, it requires that the filer enter specific dollar amounts, and it uses a five-step process that lets you enter personal information, claim dependents and indicate any additional income.

So what makes California’s payroll system different from the systems you might have encountered in other states? For one thing, taxes here are considerably higher. The state has ten income tax brackets and the system is progressive. So if your income is on the low side, you'll pay a lower tax rate than you likely would in a flat tax state. California’s notoriously high top marginal tax rate of 13.3%, which is the highest in the country, only applies to income above $1 million for single filers and $2 million for joint filers.

While the income taxes in California are high, the property tax rates are fortunately below the national average. If you are thinking about using a mortgage to buy a home in California, check out our guide to California mortgage rates.

California also does not have any cities that charge their own income taxes. However, sales tax in California does vary by city and county. This won’t affect your paycheck, but it might affect your overall budget.

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California is one of the few states to require deductions for disability insurance. This may seem like a drag, but having disability insurance is a good idea to protect yourself and your family from any loss of earnings you might suffer in the event of a short- or long-term disability.

If you earn money in California, your employer will withhold state disability insurance payments equal to 1.1% of your taxable wages, up to $145,600 per calendar year in 2022. The maximum your employer can withhold for State Disability Insurance (SDI) is $1,601.60. SDI also provides California’s Paid Family Leave program.

Some employees earn supplemental wages. This includes overtime, commission, awards, bonuses, payments for non-deductible moving expenses (often called a relocation bonus), severance and pay for accumulated sick leave. In California, these supplemental wages are taxed at a flat rate. Bonuses and earnings from stock options are taxed at a flat rate of 10.23%, while all other supplemental wages are taxed at a flat rate of 6.6%. These taxes will be reflected in the withholding from your paycheck if applicable.

Income Tax Brackets

  • Single Filers
  • Married, Filing Jointly
  • Married, Filing Separately
  • Head of Household
Single Filers
California Taxable IncomeRate
$0 - $9,3251.00%
$9,325 - $22,1072.00%
$22,107 - $34,8924.00%
$34,892 - $48,4356.00%
$48,435 - $61,2148.00%
$61,214 - $312,6869.30%
$312,686 - $375,22110.30%
$375,221 - $625,36911.30%
$625,369 - $1,000,00012.30%
$1,000,000+13.30%
Married, Filing Jointly
California Taxable IncomeRate
$0 - $18,6501.00%
$18,650 - $44,2142.00%
$44,214 - $69,7844.00%
$69,784 - $96,8706.00%
$96,870 - $122,4288.00%
$122,428 - $625,3729.30%
$625,372 - $750,44210.30%
$750,442 - $1,250,73811.30%
$1,250,738 - $2,000,00012.30%
$2,000,000+13.30%
(Video) Free payroll tax, paycheck calculator
Married, Filing Separately
California Taxable IncomeRate
$0 - $9,3251.00%
$9,325 - $22,1072.00%
$22,107 - $34,8924.00%
$34,892 - $48,4356.00%
$48,435 - $61,2148.00%
$61,214 - $312,6869.30%
$312,686 - $375,22110.30%
$375,221 - $625,36911.30%
$625,369 - $1,000,00012.30%
$1,000,000+13.30%
Head of Household
California Taxable IncomeRate
$0 - $18,6631.00%
$18,663 - $44,2172.00%
$44,217 - $56,9994.00%
$56,999 - $70,5426.00%
$70,542 - $83,3248.00%
$83,324 - $425,2519.30%
$425,251 - $510,30310.30%
$510,303 - $850,50311.30%
$850,503 - $1,000,00012.30%
$1,000,000+13.30%

The city of San Francisco levies a gross receipts tax on the payroll expenses of large businesses. Although this is sometimes conflated as a personal income tax rate, the city only levies this tax on businesses themselves. Therefore, you will not be responsible for paying it.

A financial advisor in California can help you understand how taxes fit into your overall financial goals. Financial advisors can also help with investing and financial plans, including retirement, homeownership, insurance and more, to make sure you are preparing for the future.

(Video) How Much Tax on $60,000 in California

How You Can Affect Your California Paycheck

Though some of the withholding from your paycheck is non-negotiable, there are certain steps you can take to affect the size of your paycheck. If you choose to save more of each paycheck for retirement, for example, your take-home pay will go down. That’s why personal finance experts often advise that employees increase the percentage they’re saving for retirement when they get a raise, so they don’t experience a smaller paycheck and get discouraged from saving.

Should you choose a more expensive health insurance plan or you add family members to your plan, you may see more money withheld from each of your paychecks, depending on your company’s insurance offerings.

If your paychecks seem small and you get a big tax refund every year, you might want to re-fill out a new W-4 and a new California state income tax DE-4 Form. The California DE-4 forms tells your employer how many allowances you’re claiming and how much to withhold from each of your paychecks. If you take more allowances, you might get a smaller refund but you should get bigger paychecks. Conversely, if you always owe tax money come April, you may want to claim fewer allowances so that more money is withheld throughout the year.

In the state of California your employer can’t deduct anything from your wages except what is required by state and federal law (for income taxes, for example) or what you authorize yourself (for your health insurance premiums, for example). Union workers, however, may see legal deductions that don’t fall in either of these categories if such deductions are authorized by your collective bargaining agreement. An example of this kind of deduction is a pension payment.

California Top Income Tax Rate

YearTop Income Tax Rate
202113.30%
202013.30%
201913.30%
201812.30%
201712.30%
201613.30%
201513.30%
201413.30%
201313.30%
201210.30%
201110.30%
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FAQs

How much is 120k a year per month California? ›

If you make $120,000 a year living in the region of California, USA, you will be taxed $38,515. That means that your net pay will be $81,485 per year, or $6,790 per month.

What is 70k salary after taxes in California? ›

If you make $70,000 a year living in the region of California, USA, you will be taxed $17,665. That means that your net pay will be $52,335 per year, or $4,361 per month. Your average tax rate is 25.2% and your marginal tax rate is 41.0%.

How much is 75k monthly in California? ›

If you make $75,000 a year living in the region of California, USA, you will be taxed $19,714. That means that your net pay will be $55,286 per year, or $4,607 per month. Your average tax rate is 26.3% and your marginal tax rate is 41.0%.

What is considered a high salary in California? ›

As of Nov 11, 2022, the average annual pay for the Highest jobs category in California is $104,175 a year. Just in case you need a simple salary calculator, that works out to be approximately $50.08 an hour. This is the equivalent of $2,003/week or $8,681/month.

What is a good annual salary in California? ›

Most salaries in California range between $43,418 (25th percentile) to $79,233 (75th percentile) annually.

How much is 100k after taxes in California? ›

If you make $100,000 a year living in the region of California, USA, you will be taxed $29,959. That means that your net pay will be $70,041 per year, or $5,837 per month. Your average tax rate is 30.0% and your marginal tax rate is 42.6%.

How much is 200k after taxes in California? ›

If you make $200,000 a year living in the region of California, USA, you will be taxed $70,374. That means that your net pay will be $129,626 per year, or $10,802 per month.

How much is 90k a year after taxes in California? ›

If you make $90,000 a year living in the region of California, USA, you will be taxed $25,861. That means that your net pay will be $64,139 per year, or $5,345 per month.

How much is 80k after taxes in California? ›

If you make $80,000 a year living in the region of California, USA, you will be taxed $21,763. That means that your net pay will be $58,237 per year, or $4,853 per month. Your average tax rate is 27.2% and your marginal tax rate is 41.0%.

How much is 150k after taxes in California? ›

If you make $150,000 a year living in the region of California, USA, you will be taxed $51,174. That means that your net pay will be $98,826 per year, or $8,235 per month.

How much is 60k after taxes in California? ›

If you make $60,000 a year living in the region of California, USA, you will be taxed $13,653. That means that your net pay will be $46,347 per year, or $3,862 per month.

Is 60k enough to live in California? ›

Is 60k a Year Good in California? In general, 60k is a good salary for any state in the United States, but the cost of living in California is higher than in most other states. So 60k a year jobs and income may not go as far there as it would in a less expensive area and it may not be enough to live comfortably.

How much money do you need to live comfortably in California? ›

According to BEA statistics, you'll need an income with at least $46,636 per year of take-home pay just to meet the average cost of living in California. That works out to about $3,886 per month. Things like savings and extras would be above and beyond that.

How much is 85k a year after taxes in California? ›

If you make $85,000 a year living in the region of California, USA, you will be taxed $23,812. That means that your net pay will be $61,188 per year, or $5,099 per month.

What is middle class pay in California? ›

Median household income in California by age and gender
GenderMedian earnings, 2020
Male$43,260
GenderMedian household income, 2020
Female householder, non-family household$43,687
Male householder, non-family household$58,781
1 more row
27 Sept 2022

What is middle class salary in California? ›

Middle Class in Los Angeles County
Persons in HouseholdHousehold Income
Lower ClassMiddle Class
1Up to $32,793$32,794 to $98,380
2Up to $46,376$46,377 to $139,130
3Up to $56,799$56,800 to $170,399
2 more rows

What are the top 3 jobs in California? ›

The Best Jobs in California: Explained
  1. General Surgeon. ...
  2. Ophthalmologist. ...
  3. Vice President of Marketing. ...
  4. Pain Management Physician. ...
  5. Internal Medicine Physician. ...
  6. Hospitalist Physician. ...
  7. Pulmonary Physician. ...
  8. General Surgery Physician Assistant.
1 Sept 2022

What salary do I need to live in California? ›

A survey from Purdue University and GoBankingRates.com found that you need a minimum annual salary of $149,310 to be happy in California, citing "California's notoriously high cost of living."

What is a livable wage in California 2022? ›

California's living wage is $19.41, or $40,371 a year for an individual. A family of four requires $27.42, or $101,378 a year. Childcare costs will cost a family with two working adults $22,259 a year, slightly more than the $24,682 they can expect to spend on housing.

Is $21 an hour good in California? ›

On average, renters in California make an hourly wage of $21.50 an hour, which is 41.2 percent lower than the necessary hourly wage to afford the cost of living.

What is a livable salary in Los Angeles? ›

Living Wage Calculation for Los Angeles County, California
1 ADULT2 ADULTS (BOTH WORKING)
0 Children2 Children
Living Wage$21.89$30.73
Poverty Wage$6.19$6.37
Minimum Wage$15.00$15.00

How much is 130k salary after taxes in California? ›

If you make $130,000 a year living in the region of California, USA, you will be taxed $42,813. That means that your net pay will be $87,187 per year, or $7,266 per month. Your average tax rate is 32.9% and your marginal tax rate is 43.0%.

How much is 125k after taxes in California? ›

If you make $125,000 a year living in the region of California, USA, you will be taxed $40,664. That means that your net pay will be $84,336 per year, or $7,028 per month.

How much is 500k after taxes in California? ›

If you make $500,000 a year living in the region of California, USA, you will be taxed $215,575. That means that your net pay will be $284,425 per year, or $23,702 per month. Your average tax rate is 43.1% and your marginal tax rate is 50.7%.

How much is 350k after taxes in California? ›

If you make $350,000 a year living in the region of California, USA, you will be taxed $141,441. That means that your net pay will be $208,559 per year, or $17,380 per month. Your average tax rate is 40.4% and your marginal tax rate is 48.7%.

How much is 250k a year after taxes in California? ›

If you make $250,000 a year living in the region of California, USA, you will be taxed $93,731. That means that your net pay will be $156,269 per year, or $13,022 per month.

How much is 140k after taxes in California? ›

If you make $140,000 a year living in the region of California, USA, you will be taxed $47,111. That means that your net pay will be $92,889 per year, or $7,741 per month. Your average tax rate is 33.7% and your marginal tax rate is 40.6%.

What is 90k a year hourly in California? ›

A salary of $90,000 equates to a monthly pay of $7,500, weekly pay of $1,731, and an hourly wage of $43.27.

Are bonuses taxed higher in California? ›

Bonuses are typically considered supplemental income and that is taxed at a different rate. The federal bonus flat tax rate is 22%. In California, bonuses are taxed at a rate of 10.23%. For example, if you earned a bonus in the amount of $5,000, you would owe $511.50 in taxes on that bonus to the state of California.

What is 95k after taxes in California? ›

If you make $95,000 a year living in the region of California, USA, you will be taxed $27,910. That means that your net pay will be $67,090 per year, or $5,591 per month. Your average tax rate is 29.4% and your marginal tax rate is 41.0%.

How much is 160k after taxes in California? ›

If you make $160,000 a year living in the region of California, USA, you will be taxed $54,742. That means that your net pay will be $105,258 per year, or $8,771 per month. Your average tax rate is 34.2% and your marginal tax rate is 35.7%.

What is 92k after taxes in California? ›

If you make $92,000 a year living in the region of California, USA, you will be taxed $26,681. That means that your net pay will be $65,319 per year, or $5,443 per month.

How much is 170k after taxes in California? ›

If you make $170,000 a year living in the region of California, USA, you will be taxed $58,310. That means that your net pay will be $111,690 per year, or $9,307 per month. Your average tax rate is 34.3% and your marginal tax rate is 35.7%.

How much is 175k after taxes in California? ›

If you make $175,000 a year living in the region of California, USA, you will be taxed $60,094. That means that your net pay will be $114,906 per year, or $9,575 per month.

What is the take home salary for $110 000 in California? ›

If you make $110,000 a year living in the region of California, USA, you will be taxed $34,217. That means that your net pay will be $75,783 per year, or $6,315 per month. Your average tax rate is 31.1% and your marginal tax rate is 43.0%.

How much an hour is 60000 a year in California? ›

To calculate the hourly rate, you divided the total pay—$60,000—by the number of hours worked— 1,920. The answer to this calculation comes out as $31.25 per hour.

What is the tax on 1000 dollars in California? ›

If you make $1,000 a year living in the region of California, USA, you will be taxed $87.50. That means that your net pay will be $913 per year, or $76.04 per month.

Is 60k middle class? ›

A three-person household must have earned $51,962 to $155,902 to be considered middle-class while a family of four must earn about $60,000 to $180,000.

Is it worth living in California? ›

While living in California can significantly increase your cost of living and expenses, there are also many aspects of Californian life that make the higher cost worth the price. Year-round sunshine, friendly neighbors, and a lively community are all excellent reasons to move to CA.

How much do I pay in taxes if I make 60k a year? ›

If you make $60,000 a year living in the region of California, USA, you will be taxed $11,328. Your average tax rate is 10.31% and your marginal tax rate is 22%.

How much do utilities cost per month in California? ›

Average Utility Costs in California: $375 per month

Utilities can add up fast, especially when you add cable and internet bills.

How much do groceries cost per month in California? ›

According to Mint.com, the average monthly spending on all food and dining in San Francisco is $1,325, compared to the California average of $1,282 and US average of $1,169.

Is 18 dollars an hour good in California? ›

“Clearly, $18 an hour is not a living wage for most people in California unless they're single and in a very specific part of the state,” Bahr said. “We're under no illusions about the cost of living here.” The MIT Living Wage Calculator removes any such illusions.

What is 65000 Take home pay California? ›

If you make $65,000 a year living in the region of California, USA, you will be taxed $15,631. That means that your net pay will be $49,369 per year, or $4,114 per month. Your average tax rate is 24.1% and your marginal tax rate is 40.7%.

How much is 97k after taxes in California? ›

If you make $97,000 a year living in the region of California, USA, you will be taxed $28,730. That means that your net pay will be $68,270 per year, or $5,689 per month. Your average tax rate is 29.6% and your marginal tax rate is 41.0%.

What percentage of people make over 85k? ›

Percent by Household
Annual Household Income% of Americans Earning More
$75,000 to $79,99929.22%
$80,000 to $84,99926.57%
$85,000 to $89,99924.32%
$90,000 to $94,99922.20%
38 more rows
27 Oct 2011

What is a good salary in California per month? ›

A good monthly income in California is $3,886, based on what the Bureau of Economic Analysis estimates that Californians pay for their cost of living.

How much per month is 120k per year? ›

A yearly salary of $120,000 is $10,000 a month. This number is based on 40 hours of work per week and assuming it's a full-time job (8 hours per day) with vacation time paid.

How much is 100k a year monthly in California? ›

If you make $100,000 a year living in the region of California, USA, you will be taxed $29,959. That means that your net pay will be $70,041 per year, or $5,837 per month.

How much is 200k salary after taxes in California? ›

If you make $200,000 a year living in the region of California, USA, you will be taxed $70,374. That means that your net pay will be $129,626 per year, or $10,802 per month.

How much is 400k after taxes in California? ›

If you make $400,000 a year living in the region of California, USA, you will be taxed $165,795. That means that your net pay will be $234,205 per year, or $19,517 per month.

Is 120k a year middle class? ›

Pew Research says the middle class runs from $42,000 to $125,000 (before tax). They define middle as a household of three with an income that falls between two-thirds and double the median income.

What is a livable salary in San Francisco? ›

Living Wage Calculation for San Francisco County, California
1 ADULT2 ADULTS (1 WORKING)
0 Children2 Children
Living Wage$30.81$59.60
Poverty Wage$6.19$12.74
Minimum Wage$15.00$15.00

Is 100k a good salary in San Diego? ›

Is 100k a good salary for the San Diego cost of living? As you can see from our breakdown of the San Diego cost of living, a $100,000 salary should be enough to live comfortably in San Diego, provided you aren't spending excessive amounts of money on travel, gambling, or luxury goods.

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