Arizona Paycheck Calculator 2026

2026

Calculate your take-home pay in Arizona. Arizona has a flat income tax system. Based on current AZ and federal tax rates.

Pay Type
$

Net Pay (Bi-Weekly)

$2,239.13

Annual Take-Home

$58,217.50

Total Tax (Annual)

$16,782.50

Paycheck Breakdown (Bi-Weekly)

Gross Pay$2,884.62
Federal Income Tax- $295.00
Social Security (6.2%)- $178.85
Medicare (1.45%)- $41.83
Arizona State Tax- $129.81
Net Pay$2,239.13

Annual Summary

Gross Annual Income$75,000.00
Federal Income Tax- $7,670.00
FICA (SS + Medicare)- $5,737.50
Arizona State Tax (estimate)- $3,375.00
Total Deductions & Tax- $16,782.50
Annual Take-Home Pay$58,217.50
Monthly Take-Home$4,851.46

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

Arizona Tax Overview

Gross pay and the number that lands in an Arizona bank account are two different figures, and four withholdings explain the gap. Three are federal and identical from Yuma to Flagstaff: income tax keyed to the W-4 on file, Social Security at 6.2% on wages up to the $184,500 base, and Medicare at 1.45% on every dollar earned. The fourth is Arizona's own income tax, collected at a single flat 2.5% since the state retired its old bracket system in 2023.

What is missing from the stub matters as much as what is on it. Arizona runs no state disability insurance and no paid-family-leave payroll tax, so the SDI and PFL lines that California and New York workers see never show up here. That leaves take-home pay shaped mostly by federal withholding and pre-tax choices: a traditional 401(k) deferral or pre-tax health premium lowers the wages exposed to both federal and the 2.5% state tax, while Social Security and Medicare are still figured on the larger gross amount.

Arizona Key Rates & Limits (2026)

State Income Tax 0.025% (flat)
State Sales Tax 0.056%
Avg. Property Tax Rate 0.0054%
Minimum Wage $15.15/hr
State Disability Insurance (SDI) No
Paid Family Leave No
Local/City Income Tax Counties and cities add local transaction privilege taxes; combined rates exceed 10% in some areas.

Official Sources:

Arizona Paycheck FAQ

Why does my Arizona net pay drop less when I get a raise than a coworker's in another state?
Arizona's 2.5% income tax is flat, so a raise is taxed by the state at the same rate as your base wages rather than pushing you into a higher state bracket. In graduated-rate states, extra income can be skimmed at a steeper percentage. Your federal withholding still scales up with income no matter where you work, so part of the raise difference is federal, not state.
How is the Social Security cut on my Arizona paycheck calculated?
Social Security is a federal payroll tax collected by the SSA, not an Arizona levy, but it still comes out of every Arizona check at 6.2% of wages up to the $184,500 annual base. Once year-to-date wages pass that base, the 6.2% stops for the rest of the year. Medicare's 1.45% has no such ceiling and applies to all wages.
Do pre-tax deductions lower the Arizona portion of my withholding?
Yes. Because Arizona starts from federal taxable wages, a traditional 401(k) contribution up to the $24,500 deferral limit or a pre-tax health premium shrinks the income exposed to the flat 2.5% tax along with the federal income tax. Those same dollars are still subject to Social Security and Medicare, which are figured on gross pay before most deferrals come out.
Will my Arizona paycheck show any state deductions besides income tax?
Generally no. With no state disability insurance fund and no state paid-leave program, Arizona has no extra mandatory payroll line beyond the flat 2.5% income tax. Anything else you see, such as retirement contributions, insurance premiums, or garnishments, is voluntary or court-ordered rather than a tax the state requires.