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Arizona state income tax 2026 paycheck calculator take-home pay

Arizona Paycheck Calculator - Flat 2.5% State Tax (2026)

Bracket-based estimate using 2025 IRS tax tables - Arizona

🔒 No data stored ⚡ Instant results 📊 Real 2026 brackets ✓ FICA rates verified
📋 Our Research Team - Our tax researchers manually verify every formula against IRS Rev. Proc. 2025-32, SSA, and state Departments of Revenue. Data audited quarterly. Report a data error.

Arizona Paycheck Calculator

ℹ️
What this calculator includes Federal income tax + Social Security + Medicare + Arizona flat 2.5% state income tax.
Pay Type
Your Take Home Pay
$0.00
per period
DescriptionPer Paycheck
💵 Gross Pay -
🏛 Federal Income Tax -
🔒 Social Security (6.2%) -
🏥 Medicare (1.45%) -
🗺 Arizona State Income Tax -
Total Deductions -
✅ Net Take Home Pay -

⚠️ Bracket-based estimate only. Does not include W-4 adjustments, pre-tax deductions (401k, HSA, health insurance), local/municipal taxes, or year-to-date limits. Consult your employer or a tax professional for exact withholding amounts.

About the Arizona Paycheck Calculator

Arizona uses a flat 2.5% state income tax - the lowest among states with an income tax. This calculator applies Arizona's actual flat rate alongside federal income tax, Social Security, and Medicare to give you an accurate take-home pay estimate for Arizona workers.

Arizona's state income tax is computed after deducting Arizona's standard deduction ($2,500 single / $7,500 married) and personal exemption ($1,500 single / $3,000 married). The top 5% rate kicks in on income above $3,000 for single filers and $6,000 for married filers - meaning most Arizona workers pay an effective rate close to 5% on the majority of their income.

Note: Several Arizona cities including Birmingham and Gadsden impose local occupational taxes (1–2%) not included in this calculator. Jefferson County also has a 1% occupational tax. Check with your employer for local withholding amounts. These results are bracket-based estimates only.

📚 Sources & Last Updated

Last updated: April 2026 · Tax year: 2026

How the Tax Formula Works

This calculator uses a bracket-based approach - the same method used to compute annual tax liability - divided by your pay periods. It is an estimate, not a payroll withholding calculation (which uses W-4 inputs and IRS Publication 15-T procedures).

1Gross Pay = Hourly Rate × Hours OR Annual Salary ÷ Pay Periods
2Federal Taxable Income = Annual Gross − Standard Deduction (2025: $16,100 single / $32,200 married)
3Federal Income Tax = Apply 2026 IRS brackets (10%→37%) ÷ pay periods
4Social Security = Gross × 6.2% (stops at $184,500 annual wages)
5Medicare = Gross × 1.45% (+0.9% on wages over $200K single)
6Arizona 2026: flat 2.5% rate applied to (annual gross − $16,100 standard deduction single / $32,200 married, matching federal) - source: Arizona Department of Revenue 2026 schedule
7Net Take Home = Gross − Fed Tax − SS − Medicare − State Tax

Results are bracket-based estimates. Actual paycheck withholding is determined by your W-4 form, pre-tax deductions, and employer payroll procedures. Use these results for planning and budgeting - not as a substitute for your actual pay stub.

Frequently Asked Questions - Arizona Paycheck Calculator

Arizona has a flat 2.5% income tax rate for 2026 - the lowest among states with an income tax. This single rate applies to all taxable income regardless of filing status or income level. Arizona uses the federal standard deduction ($16,100 single / $32,200 married for 2026), so your federal taxable income is generally also your Arizona taxable income before applying the 2.5% rate.
A single Arizona filer earning $60,000 can expect approximately $47,500–$48,500 in annual take-home pay. Federal income tax (~$5,200 after the $16,100 federal standard deduction), Arizona state tax (~$1,098 at 2.5% flat rate), Social Security ($3,720), and Medicare ($870) are deducted. Arizona has no local income taxes.
No. Arizona does not impose any local or municipal income taxes on wages. The 2.5% flat state rate is the only income tax you owe on Arizona wages - there are no city or county income tax surcharges. This makes Arizona tax calculation straightforward compared to states like Ohio or Pennsylvania, where most municipalities add local income taxes on top of the state rate.
Arizona is generally retirement-friendly. Social Security benefits are fully exempt from Arizona state income tax. Military retirement pay is fully exempt. Other retirement income such as pensions, IRA distributions, and 401(k) withdrawals is taxable at the 2.5% flat rate. For 2026, Arizona is updating its treatment of veterans' pensions and Social Security income under SB1749.
Arizona conforms to the federal standard deduction. For 2026, that is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. Arizona does not have a separate state-level standard deduction - your federal taxable income flows through to your Arizona return.
Arizona employers use Form A-4 (Employee's Arizona Withholding Election) and Arizona Department of Revenue withholding tables to calculate state income tax each pay period. Employees select a flat withholding percentage (0.5%, 1.0%, 1.5%, 2.0%, 2.5%, or 3.0%) rather than allowances. If no A-4 is filed, employers withhold at the default rate. Official source: azdor.gov
Arizona's top (and only) income tax rate is 2.5% flat - the lowest individual income tax rate of any state with a state income tax. There is no higher bracket regardless of income level. This rate applies to all Arizona taxable income after deductions. Arizona enacted this flat rate under HB 2871 (2022), replacing a prior progressive system.
Arizona's 2.5% flat rate is the lowest among income-tax states - significantly below Nevada and Wyoming (which have no income tax but also no wage earners in this context). Neighboring California taxes income at 1%–13.3%, making Arizona far more favorable for high earners. Colorado is 4.4%, Utah is 4.65%, and New Mexico is around 4.9%. For someone earning $100,000, Arizona saves thousands annually compared to California.

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Federal changes from Public Law 119-21 affect all states:

⏰ No Tax on OT 💰 No Tax on Tips 👴 Senior Deduction 🏠 SALT Cap Relief

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Workers in Phoenix and across Arizona

The Arizona state income tax rate is uniform across the state. Whether you work in Phoenix, Tucson, Mesa, Scottsdale, or any other Arizona city, your state tax math is the same. What differs is local context: cost of living, commute deductions, and city-specific surcharges. Phoenix workers in particular face the highest cost-of-living adjustments in the state, while smaller Arizona markets like Scottsdale typically offer 15-25% more disposable income on identical gross salaries. Use the calculator above to lock in the federal + state baseline, then adjust for your local context as needed.

Major Arizona employment hubs covered: Phoenix, Tucson, Mesa, Scottsdale. The 2026 IRS federal brackets, $184,500 Social Security wage base, and OBBBA overtime deduction apply uniformly to all Arizona workers regardless of city.

Related state calculators

Working across state lines or comparing offers? Use our calculators for nearby states to see how Arizona take-home pay compares to Nevada, California, and Colorado. Each calculator applies the actual 2026 state brackets plus federal tax, FICA, and OBBBA overtime deduction.

Arizona Calculator2026 paycheck for Phoenix & ArizonaCalifornia Calculator2026 paycheck for Los Angeles & CaliforniaColorado Calculator2026 paycheck for Denver & Colorado

Or jump back to the national paycheck calculator or browse our full state list.