1. What is This Calculator For?

This calculator estimates the net pay for California teachers after accounting for federal tax, California state tax, FICA, and STRS pension contributions. It's specifically designed for educators in the California State Teachers' Retirement System.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• Gross Pay — Annual salary before deductions
• Federal Tax — Estimated at 22% (simplified)
• California State Tax — Progressive tax brackets (1% up to $10,412, etc.)
• FICA — 7.65% for Social Security and Medicare
• STRS Contributions — 10.25% for California teachers' pension

3. Understanding the Deductions

Federal Tax: This is a simplified estimate. Actual federal tax may vary based on filing status, deductions, and credits.

California State Tax: Uses progressive brackets starting at 1% for income up to $10,412, with higher rates for additional income.

FICA: The 7.65% rate includes 6.2% for Social Security and 1.45% for Medicare.

STRS: The 10.25% contribution is mandatory for California teachers participating in the State Teachers' Retirement System.

4. Using the Calculator

Instructions: Enter your annual gross salary in USD. The calculator will estimate all deductions and your final net pay.

5. Frequently Asked Questions (FAQ)

Q1: Why is federal tax estimated at 22%?
A: This is a simplified estimate. Actual federal tax depends on filing status, deductions, and tax credits.

Q2: Are California state tax brackets accurate?
A: The calculator uses the standard progressive brackets, but actual tax may vary based on deductions.

Q3: Can FICA rate change?
A: The 7.65% rate is current as of 2023 but may be adjusted in future years.

Q4: Is the STRS contribution rate fixed?
A: The 10.25% rate is current but may change based on STRS board decisions.

Q5: Are other deductions included?
A: This calculator focuses on major mandatory deductions. Other deductions (health insurance, union dues, etc.) would further reduce net pay.