Does not include health insurance, dental, vision, Medicare, emergency fund savings, or retirement contributions unless amounts are entered above.
Income Sources — toggle what applies
W-2 Salary
Taxable employment income
Tax-Free Gift
From uncle — not taxable
Rental Income
Taxed on top of W-2 income
Net after deductions & tax: calculating...
Unemployment (CA EDD)
Taxable — federal only in CA
Monthly equiv: calculating...
Social Security
Up to 85% taxable depending on income
Taxable portion: calculating...
401(k) Withdrawal
Taxable + 10% penalty until Jan 8, 2027
Net after taxes & penalty: calculating...
Income Summary
Total Monthly Income$0.00
Results
Salary Ranges
Tax Settings
Update these each fall when the IRS and FTB announce new figures for the coming tax year. Federal standard deduction: search "IRS standard deduction [year]" at irs.gov. Additional federal deduction at 65: search "IRS additional standard deduction age 65 [year]" at irs.gov. California standard deduction: search "CA standard deduction [year]" at ftb.ca.gov. CA personal exemption credit: search "California personal exemption credit single filer [year]" at ftb.ca.gov. The federal and CA income tax brackets also adjust for inflation each year and are hardcoded in this app. To update them, upload this file from the Claude Apps folder on your desktop in a new Claude conversation and say: "Update the [year] federal and CA income tax brackets in this salary needs calculator. Here are the new brackets:" then paste the bracket tables you found at irs.gov and ftb.ca.gov.