California SDI Calculator 2025

Calculate California State Disability Insurance tax (0.9%) with the 2025 wage base limit of $176,069. Get accurate SDI deductions for California employees and understand your disability insurance benefits.

Calculate California SDI View SDI Rates

California SDI Tax Calculator

Enter your California wage information to calculate State Disability Insurance taxes

California SDI Tax Rates & Limits (2025)

California SDI Tax

Employee Rate
0.9%

Deducted from employee wages

Employer Rate
0.0%

No employer contribution

Total Rate
0.9%

Employee-only contribution

2025 Wage Base Limit
$176,069

Maximum taxable wages for California SDI

Maximum annual SDI: $1,584.62

SDI Benefits Coverage

Disability Benefits

Up to 52 weeks of partial wage replacement

60-70% of wages (up to maximum)

Paid Family Leave (PFL)

Up to 8 weeks for family care

Bonding with new child or caring for family

Eligibility Requirements

Must have earned at least $300 in base period

Must be unable to work due to disability

2025 Weekly Benefit Amount
$1,620

Maximum weekly SDI benefit payment

Based on highest quarter earnings

Historical SDI Rates

2025 0.9% $176,069
2024 0.9% $153,164
2023 0.9% $153,164
2022 1.1% $145,600
2021 1.1% $128,298
Rate Reduction
-0.2%

SDI rate reduced from 1.1% to 0.9% in 2023

Due to improved fund balance

Paid Family Leave (PFL)

Bonding Leave

Up to 8 weeks for new child bonding

Birth, adoption, or foster placement

Family Care Leave

Up to 8 weeks for family member care

Serious health condition of family member

Military Family Leave

Up to 8 weeks for military deployment

Qualifying exigency related to deployment

2025 PFL Benefits
60-70%

Percentage of average weekly wages

Same rate structure as SDI

California SDI Tax Examples (2025)

Standard California Employee

Annual Salary: $75,000

Employment Location: California

SDI Taxable: Full amount (under wage base)

California SDI Tax Breakdown
Employee SDI Tax (0.9%) $75,000 × 0.9% = $675
Employer SDI Tax $0 (no employer contribution)
Remaining Wage Base $176,069 - $75,000 = $101,069
Total Employee SDI Tax $675
Monthly SDI Deduction $56.25

High Earner (At Wage Base)

Annual Salary: $200,000

Employment Location: California

SDI Taxable: $176,069 (wage base limit)

California SDI Tax Breakdown
SDI Taxable Wages $176,069 (wage base limit)
Employee SDI Tax (0.9%) $176,069 × 0.9% = $1,584.62
Non-taxable Income $200,000 - $176,069 = $23,931
Maximum Employee SDI Tax $1,584.62
Monthly SDI Deduction $132.05

Mid-Career Professional

Annual Salary: $120,000

Employment Location: California

SDI Benefits: Eligible for full benefits

SDI Tax & Benefits Analysis
Annual SDI Tax (0.9%) $120,000 × 0.9% = $1,080
Weekly SDI Benefit (60-70%) Up to $1,385 per week
Annual Benefit Potential Up to $72,020 (52 weeks)
Annual SDI Tax $1,080
Benefit-to-Tax Ratio 66.7:1

New Parent (PFL)

Annual Salary: $85,000

Employment Location: California

PFL Usage: 8 weeks bonding leave

PFL Benefits Calculation
Annual SDI Tax (0.9%) $85,000 × 0.9% = $765
Weekly Wage (Average) $85,000 ÷ 52 = $1,635
PFL Weekly Benefit (60-70%) $1,635 × 60% = $981
8 Weeks PFL Benefits $981 × 8 = $7,848
Total PFL Benefits $7,848
Benefit-to-Tax Ratio 10.3:1

Frequently Asked Questions About California SDI

California State Disability Insurance (SDI) is a state program that provides partial wage replacement for workers unable to work due to non-work-related illness, injury, or pregnancy. Only employees pay SDI tax (0.9% in 2025) - employers do not contribute.

The California SDI wage base for 2025 is $176,069. You pay 0.9% SDI tax on wages up to this amount, with a maximum annual SDI tax of $1,584.62. Income above the wage base is not subject to SDI tax.

SDI provides up to 52 weeks of disability benefits (60-70% of wages) and up to 8 weeks of Paid Family Leave (PFL) for bonding with a new child or caring for a seriously ill family member. Maximum weekly benefit is $1,620 in 2025.

You must have earned at least $300 in your base period and be unable to work due to a non-work-related disability. You must also be under the care of a licensed physician and file a claim with supporting medical documentation.

Important California SDI Information

California State Disability Insurance (SDI) provides partial wage replacement for eligible workers who are unable to work due to non-work-related illness, injury, or pregnancy. The program also includes Paid Family Leave (PFL) benefits. Only employees pay SDI tax (0.9% in 2025) on wages up to $176,069. SDI benefits provide 60-70% of wages up to a maximum weekly amount. This calculator provides estimates based on 2025 rates and should not be considered benefits counseling.