How does the Arizona paycheck calculator work?
It estimates your net take-home pay by subtracting the main payroll deductions from your gross income. Here's what it accounts for:
- Federal income tax, calculated using 2026 marginal tax brackets and the updated standard deduction ($16,100 single / $24,150 head of household / $32,200 married filing jointly, per the OBBB Act).
- Arizona state income tax, a flat rate of 2.5% on your Arizona taxable income.
- Social Security (FICA), 6.2% of wages up to the $184,500 cap.
- Medicare, 1.45% of all wages, plus an additional 0.9% on income above $200,000 (single / HoH) or $250,000 (married).
- Pre-tax deductions, optional 401(k) and HSA contributions that reduce your federal taxable income.
The result is then divided by your chosen pay frequency to show the per-paycheck amount. You can enter your salary as an annual amount or as an hourly wage.
Tip: Arizona has no local income taxes, you won't owe any city or county taxes. That makes it simpler to calculate take-home pay in Arizona compared to states with local levies.
Arizona income tax: what you need to know
Arizona uses a flat income tax rate, currently set at 2.5%. Every worker pays the same state tax percentage regardless of whether they earn $30,000 or $300,000.
Compared to neighboring states: California ranges from 1% to 13.3%, Nevada has no state income tax, Utah charges 4.45%, Colorado charges 4.4%. Understanding these differences matters when comparing take-home pay between states.
Arizona conforms to the federal standard deduction ($16,100 single / $32,200 married for 2026).
Note on Arizona payroll tax: As an employer or self-employed individual in Arizona, you should know that Arizona payroll taxes include the standard FICA obligations (Social Security + Medicare) plus the 2.5% state income tax withholding. There is no separate state unemployment insurance paid by employees. Our calculator covers the employee side of these deductions.
Who benefits most from Arizona's tax structure?
Nearly everyone benefits from Arizona's low, simple 2.5% flat rate, one of the lowest state income tax rates in the country, though retirees drawing large pensions or 401(k)/IRA withdrawals still owe state tax on that income, unlike in neighboring no-tax Nevada.
Arizona paycheck tax breakdown
Here's a summary of each tax that comes out of your Arizona paycheck. This Arizona salary tax breakdown applies whether you use the annual salary or hourly wage mode:
Federal Income Tax
10%–37%
Marginal brackets
Arizona State Tax
2.5%
Flat rate
Social Security
6.2%
Wage base limit 2026
Medicare
1.45%+
+0.9% above $200k/$250k
Local Taxes
0%
None in Arizona
2026 Federal income tax brackets
Federal income tax uses a progressive system, you pay a higher rate only on income within each bracket. Standard deductions updated per the OBBB Act (July 2025). These brackets apply to all states, including when you use this Arizona paycheck calculator for 2026.
Standard deduction: $16,100
| Bracket | Rate |
|---|---|
| $0 – $12,400 | 10% |
| $12,400 – $50,400 | 12% |
| $50,400 – $105,700 | 22% |
| $105,700 – $201,775 | 24% |
| $201,775 – $256,225 | 32% |
| $256,225 – $640,600 | 35% |
| $640,600+ | 37% |
Example calculation
Let's walk through a single filer earning $75,000/year paid bi-weekly, with no 401(k) or HSA contributions:
- Federal standard deduction: $75,000 − $16,100 = $58,900 taxable income
- Federal tax: Applied using 2026 marginal brackets = ≈ $7,670
- Arizona state tax: 2.5% × ($75,000 − $16,100 deductions) = $1,473
- FICA: (6.2% + 1.45%) × $75,000 = $5,738
Result: $75,000 − $14,880 = $60,120/year → ≈ $2,312 per paycheck (bi-weekly)
Take-home pay for common Arizona salaries
Here's a quick-reference table showing estimated annual and bi-weekly take-home pay for common salaries in Arizona (single filer, 1 exemption, no 401k/HSA). Use the Arizona salary calculator above to get a precise estimate for your specific situation.
| Gross Salary | Total Tax | Annual Net | Bi-weekly |
|---|---|---|---|
| $40,000 | $6,278 | $33,723 | $1,297 |
| $50,000 | $8,493 | $41,508 | $1,596 |
| $60,000 | $10,708 | $49,293 | $1,896 |
| $75,000 | $14,880 | $60,120 | $2,312 |
| $100,000 | $22,918 | $77,083 | $2,965 |
| $125,000 | $31,019 | $93,981 | $3,615 |
| $150,000 | $39,557 | $110,444 | $4,248 |
Estimates based on 2026 tax brackets, AZ 2.5% flat rate, 1 personal exemption. Your actual take-home may differ based on filing status, dependents, and pre-tax contributions.
Take-home on $75,000: Arizona vs. neighboring states
Cross a border and the same $75,000 salary changes size. A single filer nets $60,120 in Arizona; among its neighbors, the same paycheck stretches furthest in Nevada ($61,593) and thinnest in California ($58,652):
| State | Annual net | Effective rate | vs AZ |
|---|---|---|---|
| Arizona (this page) | $60,120 | 19.8% | — |
| Nevada | $61,593 | 17.9% | +$1,473 |
| New Mexico | $59,233 | 21.0% | −$887 |
| Colorado | $59,001 | 21.3% | −$1,119 |
| Utah | $58,971 | 21.4% | −$1,149 |
| California | $58,652 | 21.8% | −$1,468 |
Single filer, 2026 rates, standard deduction, 1 exemption where applicable, no pre-tax deductions or local taxes — same assumptions as the tables above. State taxes are one factor; cost of living, property and sales taxes also differ.
Marginal vs. effective tax rate
Marginal rate: your last dollar
On a $75,000 single-filer salary in Arizona, the next dollar you earn is taxed at the 22% federal bracket plus Arizona's flat 2.5%.
Effective rate: what you actually pay
Total tax ÷ gross income. That same Arizona earner pays $14,880 in combined federal, state, and FICA taxes, an effective rate of 19.8%, well below the marginal headline.
The calculator shows your effective total rate next to the annual net figure; the marginal rate is what matters when weighing a raise, bonus, or an extra 401(k) dollar. For the full explainer with bracket charts, see 2026 tax brackets explained.
2025 vs. 2026: what changed?
Key differences affecting your Arizona paycheck:
Std. deduction (single)
Std. deduction (married)
SS wage base
On the state side, this calculator applies Arizona's current 2026 flat rate of 2.5%. Several states adjusted their rates for 2026, so state-side year-over-year changes vary; the federal changes above apply to every Arizona worker either way, and the larger standard deduction means slightly more take-home at the same salary than in 2025.
FAQs
What is the Arizona state income tax rate?
Arizona has a flat income tax rate of 2.5%. Every worker pays the same state tax percentage regardless of income level.
Does Arizona have local income taxes?
No. Arizona does not impose any local, city, or county income taxes on employees.
How much is taken out of my paycheck in Arizona?
For a typical $75,000 salary (single filer), approximately 19.8% goes to taxes. This includes federal income tax, Arizona state tax (2.5%), Social Security (6.2%), and Medicare (1.45%). Use our Arizona paycheck calculator above for your exact deductions.
What is the tax percentage in Arizona?
The Arizona state income tax rate is 2.5%. On top of that, you'll pay federal income tax (10%–37% depending on your bracket), Social Security (6.2%), and Medicare (1.45%). Combined, most Arizona workers pay an effective total tax rate between 20% and 30% depending on income.
Does Arizona tax Social Security or retirement income, and are there other state payroll deductions?
Arizona does not tax Social Security benefits. Pension, 401(k), and IRA withdrawals are taxed as ordinary income, but at the nation's second-lowest flat state rate (2.5%). There is no state disability or paid-family-leave payroll deduction.
How do I calculate my bi-weekly paycheck?
Divide your annual take-home pay by 26 (the number of bi-weekly pay periods in a year). For example, a $75,000 salary with $60,120 net → approximately $2,312 per paycheck. You can also switch to weekly, semi-monthly, or monthly frequency using the dropdown in the calculator above.
How accurate is this calculator?
This is a solid estimate using 2026 federal tax brackets, OBBB-updated standard deductions, AZ state tax rates, and Additional Medicare Tax. It does not account for itemized deductions, tax credits (like EITC or child tax credit), non-wage income, or local taxes. For tax planning purposes, it provides a reliable paycheck estimate for Arizona workers.
General paycheck questions, federal withholding, the Social Security wage base, how 401(k) contributions cut your tax, are answered on the take-home pay calculator and in 2026 tax brackets explained.
Arizona paycheck calculators by city
Living in a specific Arizona city? Use our city-specific paycheck calculators below, each accounts for any local income tax, the state's tax structure, and city-specific cost-of-living context. Major employers, neighborhood breakdowns, and commute notes are included for each:
Each city page includes federal + Arizona state tax calculations, local employers, neighborhoods, and commute information.
More Arizona calculators
Explore other free Arizona money calculators, all using the same 2026 federal and Arizona state tax data:
Paycheck calculators for other states
Paycheck calculators by state
Click any state to view its paycheck calculator. Green states have no income tax.
Moving to a different state or comparing your Arizona take-home pay? Use our free paycheck calculators for other popular states:
All calculators are free, require no signup, and are updated for 2026 tax brackets.