The benefit cliff: why $64,000 can beat $70,000
Notice the table jump from $60,000 to $70,000. At $60,000 your average weekly wage stays under the $1,252.30 line, so you get the 90% rate, about $1,038/week. At $70,000 you cross into the 70% tier, and your benefit drops to about $942/week even though you earn more. Someone earning around $64,000 can collect a higher weekly PFL benefit than someone at $70,000. It takes roughly $83,000 of salary to "earn back" past the cliff. If your income sits near $65,000, see the $60k and $70k pages for exactly where you land.
The cap: above ~$131,000 your benefit stops growing
The 2026 weekly maximum is $1,765. You reach it once your average weekly wage passes about $2,521, roughly a $131,000 salary spread evenly, or less if a bonus concentrates pay into one quarter. From there, more income doesn't raise your PFL at all. It only lowers your effective replacement rate. At $140k the cap replaces about 66% of your wage, at $150k about 61%, and at $200k under half. High earners should plan with employer top-up or savings to bridge the gap.
Calculate by profession instead
Your job can move you off these even-salary numbers. Overtime, bonuses, tips, and shift differentials all change which quarter EDD uses. The PFL calculator by profession shows how nurses, firefighters, drivers, engineers and others land differently than a flat salary suggests.
Open the full calculator →