Your Paycheck
State Disability & Paid Leave Deduction Calculator
Nine states require employees to pay into a state disability or paid family/medical leave program — a payroll tax that shows up as its own line item ("CASDI," "NY PFL," "WA PFML") separate from FICA. Select your state to see exactly what it withholds from your paycheck.
Informational only — not financial advice. Covers state-mandated SDI/PFML payroll deductions only; StubTrue does not calculate federal or state income tax withholding.
Select your state and enter your salary to see your SDI/PFML deduction.
How this calculator works
What SDI and PFML are
State Disability Insurance (SDI) and Paid Family/Medical Leave (PFML) are state-run insurance programs, funded by a payroll tax, that pay partial wage replacement during a qualifying disability or family/medical leave. Like FICA, they're calculated as a percentage of wages — not income tax, and not based on filing status or brackets.
Two ways states structure the cap
Most covered states apply their rate to wages up to an annual wage base, the same shape as the Social Security wage base — once your cumulative wages for the year cross that ceiling, withholding stops for the rest of the year (see SS Cap Tracker for the same mechanic applied to FICA). New York's Disability Benefits Law and Hawaii's TDI program instead cap the deduction at a flat dollar amount per week, recalculated on every paycheck all year — there's no annual crossover point.
2026 rates by state
| State | Program | Employee rate | Cap | Source |
|---|---|---|---|---|
| California | State Disability Insurance (SDI) | 1.3% | None | EDD.ca.gov — SDI Contribution Rates |
| New Jersey | Temporary Disability Insurance (TDI) | 0.19% | $171,100 wages/yr | NJ Dept. of Labor — Rate Information |
| New Jersey | Family Leave Insurance (FLI) | 0.23% | $171,100 wages/yr | NJ Dept. of Labor — Rate Information |
| New York | Disability Benefits (DBL / SDI) | 0.50%/wk | $0.60/wk | NY Workers' Compensation Board — Disability Benefits Law |
| New York | Paid Family Leave (PFL) | 0.432% | $411.91/yr | NY Paid Family Leave — 2026 Updates |
| Rhode Island | Temporary Disability / Caregiver Insurance (TDI/TCI) | 1.1% | $100,000 wages/yr | RI Dept. of Labor & Training — 2026 Tax Rates |
| Hawaii | Temporary Disability Insurance (TDI) | 0.50%/wk | $7.50/wk | Hawaii DLIR — 2026 Maximum Weekly Wage Base |
| Washington | Paid Family & Medical Leave (PFML) | 0.8072% | $184,500 wages/yr | Washington Paid Family & Medical Leave — 2026 Updates |
| Massachusetts | Paid Family & Medical Leave (PFML) | 0.46% | $184,500 wages/yr | Mass.gov — PFML Contribution Rates |
| Connecticut | CT Paid Leave | 0.5% | $184,500 wages/yr | CT Paid Leave Authority — Contributions |
| Colorado | Family & Medical Leave Insurance (FAMLI) | 0.44% | $184,500 wages/yr | Colorado FAMLI Division — Employers |
| Oregon | Paid Leave Oregon | 0.6% | $184,500 wages/yr | Paid Leave Oregon — Employers |
Where a program's total premium is split between employer and employee (Washington, Massachusetts, Colorado, Oregon), the rate shown is the employee-paid share only — the portion that actually appears as a deduction on your stub. See each program's note in the calculator results for the exact split.
What this calculator doesn’t cover
Income tax — federal and state income tax withholding are out of scope for every StubTrue tool. Employer contributions are not shown; only the employee-paid share that reduces your take-home pay. Voluntary private plans — some employers (particularly in California, New York, and Rhode Island) opt into an approved private plan in place of the state plan, which can carry a different rate; check your own stub if your employer offers one. Employer size exceptions in Massachusetts, Washington, and Oregon (which change the employer/employee split, not the employee rate shown here) are simplified to the standard large-employer case.
Last reviewed: July 2026
Frequently asked questions
What is SDI/PFML, and why doesn't StubTrue's FICA calculator include it?
State Disability Insurance (SDI) and Paid Family/Medical Leave (PFML) are state-run payroll taxes that fund short-term disability and paid leave benefits — separate from federal FICA (Social Security and Medicare) and separate from income tax. Only 9 states require an employee-paid deduction for these programs, so they're not part of every paycheck and are covered here rather than in the core paycheck calculator.
My state isn't listed — do I have this deduction?
Almost certainly not. Only California, New Jersey, New York, Rhode Island, Hawaii, Washington, Massachusetts, Connecticut, Colorado, and Oregon currently require a mandatory employee-paid SDI or PFML payroll deduction. Every other state has no equivalent state-mandated line item, though some employers offer voluntary short-term disability coverage as a separate, employer-specific benefit.
Is this the same as income tax withholding?
No. SDI and PFML are flat-rate payroll taxes on wages, similar in structure to FICA — not bracket-based income tax. StubTrue does not calculate federal or state income tax withholding; that's a separate, more variable calculation covered by dedicated tax-withholding tools.
Why do some states show a per-week cap instead of an annual wage base?
New York's Disability Benefits Law and Hawaii's TDI program cap contributions at a flat dollar amount per week (not an annual wage base that you eventually cross) — so the deduction recalculates every single paycheck, all year, rather than stopping once cumulative wages hit a ceiling the way FICA or most other states' SDI/PFML programs do.
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