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Home / Calculators / State Paid Family Leave & Maternity Pay Calculator (PFL & SDI)

State Paid Family Leave & Maternity Pay Calculator (PFL & SDI)

While the United States lacks a statutory federal paid parental leave policy (the federal FMLA merely provides unpaid job protection), several progressive states have enacted robust public Paid Family and Medical Leave (PFML) and State Disability Insurance (SDI) programs. In states like California (EDD PFL/SDI), New York (NY PFL), Washington (WA PFML), New Jersey (NJ FLI), Massachusetts (MA PFML), and Colorado (CO FAMLI), eligible workers are entitled to state-funded weekly wage replacement checks covering 60% to 90% of their normal earnings when welcoming a newborn, adopting, recovering from childbirth, or caring for a seriously ill relative. Benefits range from $1,000 to over $1,600+ per week depending on state statutory maximums. This calculator models your weekly state benefit check, projects total leave payout, and outlines IRS taxability rules on Form 1099-G.

US STATE PAID FAMILY & MEDICAL LEAVE (PFL / SDI)

State Paid Family Leave & Maternity Pay Calculator

Estimate your weekly statutory wage replacement check from state programs (California EDD, New York, Washington, etc.) for baby bonding, maternity disability, or family care.

11. State Program & Qualifying Reason

22. Earnings & Planned Leave Duration

$
Equivalent Normal Weekly Wage:$1.635/semana
8 semanas

Maximum statutory duration in your state: 8 semanas (California Employment Development Department (EDD))

3. State Benefit Payment Forecast

Estimated Weekly State Benefit Check
$981/semana
Effective Wage Replacement Rate:60.0% do salário
Total Payout Over Full Leave Duration (8 sem):$7.846

Weekly Paycheck Comparison

Your Normal Weekly Pay:$1.635
State Benefit Paycheck:+$981
Weekly Income Shortfall (Gap):-$654/semana

IRS Federal Tax Treatment (Form 1099-G)

Important Tax Rule: The IRS treats Paid Family Leave (PFL) baby bonding benefits as taxable income reportable on Form 1099-G. Conversely, medical/pregnancy State Disability Insurance (SDI) benefits are generally 100% exempt from federal and state income taxes.

How it works

1

Select your payroll-contributing state (California, New York, Washington, New Jersey, Massachusetts, or Colorado).

2

Choose your qualifying leave reason (newborn bonding, pregnancy disability recovery, or family care).

3

Enter your gross annual salary to determine your baseline weekly earnings.

4

Adjust your planned leave duration in weeks within state statutory maximums.

5

Review your estimated weekly state paycheck, wage replacement percentage, total leave cash payout, and income gap.

Frequently asked questions

Is paid parental leave mandated at the federal level in the US?

No. The federal Family and Medical Leave Act (FMLA) only provides 12 weeks of unpaid job-protected leave. Paid cash wage replacement is provided exclusively through progressive state insurance programs (such as California EDD, NY PFL, WA PFML) or employer-sponsored private benefits.

How does California EDD calculate PFL and SDI benefit checks?

The California EDD evaluates your 'base period' (the highest-earning calendar quarter over the prior 5 to 18 months). It replaces approximately 60% to 70% of that average weekly wage up to the statutory weekly cap ($1,619 in 2024 / $1,681 in 2025) for up to 8 weeks of PFL or 52 weeks of medical SDI.

Are state Paid Family Leave benefits taxable by the IRS?

Yes. The IRS treats Paid Family Leave (PFL) for baby bonding and family caregiving as taxable federal gross income reported on Form 1099-G. In contrast, pregnancy-related medical disability benefits (SDI) are generally non-taxable under federal law.

Are fathers entitled to paid paternity leave under state programs?

Yes. All state PFL programs provide equal bonding rights to fathers, non-birthing parents, and adoptive parents for the first 12 months following a child's birth or placement.

What is the difference between pregnancy SDI and baby bonding PFL?

State Disability Insurance (SDI) covers the birthing mother's personal physical recovery (typically 4 weeks before due date and 6 to 8 weeks postpartum). Once medically cleared, the mother transitions into Paid Family Leave (PFL) for baby bonding, which both parents can take.

Is this tool free?

Yes. The site is supported by ads, so you never pay or need to create an account.

Does it work on mobile?

Yes. The page adapts to your screen and does not require installing any app.