📈 Investment & Retirement Calculators California

California Retirement Calculator

Plan your retirement in California. Factor in higher cost of living and state income tax. Free calculator.

Free — No Sign-up Verified Data Editorially Reviewed Updated Feb 2026

California Quick Facts

13.3% Income Tax Rate

0.76% Property Tax Rate

$91,905 Median Income

142.2 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

Retirement planning for California. California taxes retirement income at rates up to 13.3%. Cost of living index: 142.2 (100 = national avg). Desired income is pre-filled based on 80% of California's median household income, adjusted for local costs. Uses compound growth with 4% safe withdrawal rate.

Key State Information

Retiring in California: California taxes retirement income at rates up to 13.3%. Cost of living: 142.2/100. Property tax: 0.76%. Median home: $785,000. Average home insurance: $1,950/yr.

Standard financial formulas Pre-filled with real state data Estimates only — not financial advice

Data Source

Census Bureau, Tax Foundation, SSA

View Original Source | Verified 2024-12-01 | Updated annually

Frequently Asked Questions

Is California a good state to retire in?

California's state income tax of up to 13.3% may reduce retirement income significantly. Cost of living is above average. Median home price: $785,000.

How much do I need to retire in California?

Using the 4% rule, to generate $6,127/month (80% of California median income) you'd need approximately $1,838,100 saved. Adjust up or down based on your lifestyle and housing costs.