San Jose Paycheck Calculator | Net Pay & Tax Estimator 2026

San Jose Paycheck Calculator helps workers estimate take-home earnings with clear net pay and tax results. A simple salary tool built for accuracy and clarity, supporting California income rules, pay frequency formats, and compensation planning for 2026.

Annual Gross Salary ($)

Pay Frequency

Federal Filing Status

High Earner Alert: Check W-4 withholding.

State & SDI

Exempt from SDI (Public/Gov)

Age 50+ (Increases 401k Limit)

Step 3: Dependents ($)

Step 4(a): Other Income

Step 4(b): Deductions

Step 4(c): Extra Withholding

RSU Vesting: Shares

RSU Vesting: Price/Share

Annual Bonus $

Bonus/RSU Tax Method

Side Gig / 1099 Income

PTO Cash-Out $

Missed Meal Penalties

Spouse Annual Income Dual Income Logic

Reverse Calc: Target Net Pay ($)

401(k) Contribution %

Employer Match % Free Money

Health Insurance

VTA/Caltrain (Pre-Tax)

Dependent Care FSA

HSA Contribution

YTD 401k Contrib.

Dental/Vision Pre-Tax

Dental ($30)

Vision ($10)

ESPP Contribution %

Student Loan $

Savings Goal Split %

Home Value (Prop Tax) $

Rent/Mortgage $

PGE Season

Inflation Adjust?

Show 2024 Real Dollars (-5%)

Commute Calculation

Calculate Driving Cost

Compare Cost of Living To:

YTD Gross Earnings Cap Logic

Estimated Paycheck Results

Net Pay

$0.00

Take Home

Gross Pay

$0.00

Pre-Tax

Disposable Income

$0.00

After Rent & Needs

Employer Match

$0.00

Free Money (Pre-Tax)

Paycheck Distribution (Heat Map)

Net Pay

Taxes

Benefits/Ded

Split Deposit Plan (Checking / Savings)

Checking: $0.00

Savings: $0.00

Pro Insights & Silicon Valley Context

Financial Health

Philz Coffees	0
SP Square Dinners	0
Real Hourly	$0.00/hr
Rent Risk	Safe

RSU Tax Bite

Est. Taxes on RSUs/Bonus:

Rate: ~0%

Benefits & Future

Potential CA SDI	$0/wk
401k Max Out	$0/pay
Commute Cost	$0/mo

True Employer Cost

Cost to employ you:

$0.00

FICA Match + UI + Benefits

Year-to-Date Estimator (Based on Inputs)

Gross: $0

Taxes: $0

Net: $0

Pay Frequency Comparison (Net Pay)

Weekly $0.00

Bi-Weekly $0.00

Monthly $0.00

Category Amount

Base Earnings $0.00

Supplements (RSU/Bonus) $0.00

Meal Penalties $0.00

Pre-Tax Benefits -$0.00

Federal Income Tax $0.00

Social Security (6.2%) $0.00

Medicare (1.45%) $0.00

CA State Tax $0.00

CA SDI (1.2%) $0.00

Post-Tax (ESPP/Loan) -$0.00

Net Paycheck $0.00

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