California Self-Employment Tax Calculator
Calculate your self-employment tax, federal income tax, and California state income tax as a freelancer or 1099 contractor. California has the highest state income tax rate in the nation at 13.
Annual Tax Breakdown
Summary
Quarterly Estimated Payments
Tax Breakdown
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Your estimated quarterly tax payment is $5,101. Model your freelance income alongside expenses, savings, and investments in the full simulator.
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California has the highest state income tax rate in the nation at 13.3% for top earners. The progressive bracket system has 9 brackets ranging from 1% to 13.3%. California also charges a 1.1% SDI payroll tax. Self-employed individuals in California pay federal self-employment tax (15.3%) plus federal income tax, and California state income tax on their net self-employment earnings.
Self-Employment Taxes in California
If you work as a freelancer or independent contractor in California, your tax situation involves multiple layers: federal self-employment tax, federal income tax, and California state income tax. Understanding how each component works helps you plan your quarterly estimated payments and maximize your deductions.
California Income Tax for Freelancers
California has the highest state income tax rate in the nation at 13.3% for top earners. The progressive bracket system has 9 brackets ranging from 1% to 13.3%. California also charges a 1.1% SDI payroll tax.
Cost of Living for Freelancers in California
California's cost of living is approximately 38% above the national average, with housing costs in San Francisco and LA exceeding the national average by 100% or more. As a freelancer in California, your effective earnings depend not just on your tax rate but also on what your after-tax income can buy. Consider local costs for housing, coworking spaces, and daily expenses when setting your rates.
Financial Tips for California Freelancers
- Maximize pre-tax deductions like 401(k) and HSA to reduce your California tax burden
- California's SDI payroll tax (1.1%) is an additional cost beyond income tax — factor it into your budget
- Consider the high cost of living in major metros like San Francisco and LA when evaluating job offers
- California does not tax Social Security benefits, which benefits retirees
- If you work remotely for an out-of-state employer, you may still owe California taxes if you live here
Key California Tax Features
- Highest state income tax (13.3%)
- 9 progressive tax brackets
- SDI payroll tax (1.1%)
- No tax on Social Security benefits
- High cost of living in major metros
Model Your California Freelance Finances Over Time
This calculator shows your California tax bill. Trajectoryy's full simulator models your freelance income alongside expenses, savings, investments, and more — month by month for years into the future.
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