SDI Calculator - State Disability Insurance Calculator & Benefits Tool
Free SDI calculator for 2024. Calculate State Disability Insurance benefits, contributions, and coverage optimization strategies.
Last updated: October 19, 2025
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Your SDI Analysis
Gross Wages
$60,000
Total Benefit
$19,500
Weekly Benefit
$750
Max Weekly Benefit
$1,533
SDI Rate
0.90%
Annual Contribution
$540
SDI Breakdown
Weekly Benefit Rate: 65.0% of weekly wages
Max Benefit Period: 52 weeks
SDI Contribution Rate: 0.90%
Employee Contribution: $540
Recommendations:
- California has the highest SDI benefits and longest coverage period
SDI Tips:
- SDI rates vary by state from 0.27% to 1.26%
- Benefits typically replace 60-70% of weekly wages
- Most states provide 26-52 weeks of coverage
- Employee contributions are deducted from wages
- Benefits are subject to federal income tax
- Consider supplemental disability insurance for longer coverage
SDI Alternatives:
- Consider private disability insurance for longer coverage periods
- Review employer-sponsored disability benefits
- Look into short-term disability insurance options
- Consider emergency fund for disability situations
- Evaluate long-term disability insurance for extended coverage
SDI Calculator Types & Features
SDI calculation
Gross Wages + State + Disability Period
Calculate basic SDI benefits and contributions
Analysis includes
Benefits + Contributions + Coverage
Detailed SDI analysis with all benefit breakdowns
Optimization features
SDI Tips + Recommendations + Alternatives
Get personalized SDI optimization strategies
State coverage
CA + NJ + NY + HI + RI + PR
Calculate SDI for all participating states
Benefit calculation
Weekly + Total + Coverage Period
Calculate SDI benefit amounts and coverage periods
Contribution calculation
Employee + Employer + Annual
Calculate SDI contribution amounts and costs
Quick Example Result
For $60,000 annual wages in California, 26-week disability period:
Total Benefit
$19,500
Weekly Benefit
$750
How Our SDI Calculator Works
Our SDI calculator analyzes your gross wages, state of residence, and disability period to determine your SDI benefits and contributions. The calculation uses state-specific SDI rates and limits to provide accurate benefit estimates and coverage optimization recommendations.
SDI Calculation Method
Weekly Benefit = Min(Weekly Wages × 65%, Max Weekly Benefit)Total Benefit = Weekly Benefit × Disability PeriodEmployee Contribution = Min(Wages, Wage Base) × SDI RateSDI Rate = State-Specific Rate (0.27% to 1.26%)Coverage Period = State-Specific Limit (26-52 weeks)SDI benefits typically replace 60-70% of weekly wages, capped at state maximums. Contributions are paid by employees through payroll deductions.
Shows detailed breakdown of benefits, contributions, and coverage periods
SDI Foundation
SDI analysis is based on official state disability insurance programs for 2024. Six states and Puerto Rico offer SDI programs with varying rates, benefits, and coverage periods. SDI provides partial wage replacement for non-work-related disabilities.
- SDI is available in California, New Jersey, New York, Hawaii, Rhode Island, and Puerto Rico
- Benefits typically replace 60-70% of weekly wages up to state maximums
- Coverage periods range from 26 weeks to 52 weeks depending on state
- Employee contributions range from 0.27% to 1.26% of wages
- SDI covers non-work-related disabilities and pregnancy
- Benefits are subject to federal income tax
Sources & References
- State Disability Insurance Programs - Official SDI InformationOfficial SDI rates, benefits, and coverage information by state
- California EDD - State Disability InsuranceCalifornia SDI program information and rates
- Social Security Administration - Disability InformationFederal disability programs and information for comparison
Need help with other payroll calculations? Check out our mileage reimbursement calculator and hairdresser tip calculator.
Get Custom Disability Insurance Calculator for Your PlatformSDI Calculator Examples
Wage Information:
- Annual Gross Wages: $60,000
- State: California
- Disability Period: 26 weeks
- SDI Rate: 0.9%
- Max Weekly Benefit: $1,533
SDI Calculation Steps:
- Calculate weekly wages: $60,000 ÷ 52 = $1,154
- Apply benefit percentage: $1,154 × 65% = $750
- Check against max: $750 < $1,533 ✓
- Calculate total benefit: $750 × 26 weeks = $19,500
- Calculate contribution: $60,000 × 0.9% = $540
- Net benefit: $19,500 - $540 = $18,960
Result: $19,500 total benefit, $750 weekly benefit, $540 annual contribution
This is a typical SDI calculation for California with moderate income.
New Jersey Example
$60,000 annual wages, 26-week disability period
Result: $11,739 total benefit, $452 weekly benefit
High Income Example
$150,000 annual wages in California, 26 weeks
Result: $39,858 total benefit, $1,533 weekly benefit
Frequently Asked Questions
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