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Take-home pay We estimate annual tax liability for one W-2 earner, using 2026 federal brackets and standard deductions, California’s October 2026 indexed brackets and standard deductions, employee Social Security (6.2% up to $184,500), Medicare (1.45%, plus the applicable additional 0.9%), and California SDI (1.3%). Tax credits, personal/dependent exemption credits, itemized deductions, pretax contributions, other income, and special wage deductions are excluded. Adults and children affect living costs only. Actual paycheck withholding and tax liability may differ.
Monthly figures are annual estimates divided by 12; weekly figures are annual estimates divided by 52, including unpaid weeks. Income uses the paid weeks entered. Temporary assignments and permanent conversion are not guaranteed. The calculator models taxable hourly W-2 pay.
ZIPs & living costs California ZIP prefixes map to broad planning regions, not exact neighborhoods. This does not verify a postal address. Housing starts from illustrative regional one-, two-, or three-bedroom rents, selected by household size. Food, transportation, utilities, and healthcare scale with household size. Transportation includes base costs plus your entered commute distance at $0.45/mile. Health insurance premiums, childcare and other expenses start at $0; enter your actual costs. ZIPs do not calculate driving distance.
The comparison uses the same job income in both locations: staying at your current ZIP versus relocating near the job. It does not include a second earner or a second residence. Moving costs are shown separately and are not included in recurring expenses. Remaining income must still cover debt, discretionary spending, and savings.
Tax sources · checked October 14, 2026 Living-cost amounts are a custom planning model. They are not supplied or endorsed by the tax sources above.
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