2026 Arizona Paycheck Calculator
Updated 2026 · IRS Pub 15-T · SSA · Arizona DOR · Private browser calculation
On a $100,000 salary in Arizona, a single filer keeps about $77,180 take-home per year (22.8% effective tax rate) after federal, Arizona state, and FICA withholding in 2026.
2026 data verified · Last checked June 11, 2026
In Arizona, a single filer earning $75,000 per year takes home approximately $60,093 after taxes (2026). Federal tax: $7,670 | Arizona state tax: $1,500 | FICA: $5,738.
19.9% effective tax rate
Arizona uses a flat-rate state income tax structure, meaning the same marginal rate applies across income levels for withholding purposes. Your Arizona state withholding amount scales with your gross pay and filing status, but it does not climb through multiple state tax brackets the way progressive systems do. Federal income tax and FICA still apply on top of state withholding.
See how all 51 states rank for take-home pay in our Best States for Take-Home Pay 2026 research study.
Most W-2 paychecks in Arizona include several standard withholding categories. Your employer uses IRS Publication 15-T tables for federal income tax, then applies payroll taxes and any state or local taxes required for your work location.
Your annual salary is the same whether you are paid weekly, biweekly, semi-monthly, or monthly, but each paycheck amount differs because the number of pay periods changes. Weekly pay divides your annual gross into 52 checks; biweekly into 26; semi-monthly into 24; and monthly into 12. Withholding tables account for pay frequency, so per-check federal and state amounts may not be a simple annual total divided evenly. Comparing offers or budgeting often requires looking at both per-paycheck net and annual take-home together.
Filing status — Single, Married Filing Jointly, or Head of Household — changes the withholding brackets your employer uses for federal income tax and, in most states with income tax, for state withholding as well. Two employees earning the same salary in Arizona can have different net pay if their filing status or W-4 entries differ. Updating your W-4 after a marriage, divorce, or dependent change is the most common way to align withholding with your expected tax situation.
See take-home pay for common jobs in Arizona after federal and state taxes:
Arizona applies a flat 2.00% state income tax rate to taxable wages instead of using multiple brackets.
Federal income tax and FICA are withheld separately, so the state line on your paycheck stays proportionate as income changes.
Arizona does not generally add a separate statewide local income tax layer to the default estimate shown in this calculator.
Use the calculator above to adjust salary, filing status, pay frequency, and deductions for a more specific Arizona paycheck estimate.
On the engine-backed $100,000 example used elsewhere on this page, Arizona produces an estimated annual take-home pay of $77,180 with an effective total tax rate of 22.8%.
Arizona wages are taxed at a flat state rate, but employees can still see meaningful paycheck differences based on the withholding percentage elected on Form A-4.
That makes Arizona a good example of a state where payroll setup choices matter even though the tax structure itself looks simple.
Use this page with the Arizona bonus tax calculator when a supplemental paycheck uses flat withholding, or read how overtime is taxed in 2026 if extra hours push a pay period into a higher bracket.
For relocation math, Arizona vs California shows the same salary side by side. · State Income Tax Rankings 2026 · W-4 withholding optimization · 401(k) paycheck impact.
Searchers comparing Arizona with California, Nevada, or Texas usually want to know whether the lower state-tax burden is large enough to change the offer ranking after withholding.
A deeper Arizona section helps answer that question directly instead of leaving users with a generic flat-tax description.
Compare Arizona directly with no-tax or nearby alternatives:
Net pay is the amount you actually receive after payroll deductions. It starts with gross pay, then subtracts federal income tax, Social Security, Medicare, state or local tax, and any voluntary deductions.
Take-home pay equals gross pay minus taxes and deductions. A paycheck calculator applies federal withholding, FICA, state income tax, local taxes where applicable, and pre-tax or post-tax deductions in the correct order.
Gross pay is earnings before deductions. Net pay is what remains after payroll taxes, benefits, retirement contributions, insurance premiums, garnishments, and other paycheck deductions.
Pre-tax deductions can reduce taxable wages before income tax is calculated. A 401(k), HSA, or FSA may lower federal and state taxable income, but some deductions do not reduce Social Security or Medicare wages.
Post-tax deductions are taken after payroll taxes are calculated. Examples may include Roth 401(k) contributions, certain insurance payments, wage garnishments, or after-tax benefits.
Yes. Arizona uses a flat 2.5% individual income tax rate for taxable income in 2026. Arizona withholding may be selected as a percentage of gross taxable wages, so actual paycheck withholding can differ from final tax liability.
A single filer earning $75,000 in Arizona should expect roughly $1,500 to $1,900 of Arizona income tax for the year, depending on deductions and withholding elections. This is an estimate and excludes federal tax and FICA.
Arizona is a flat-tax state, so the state rate is simpler than most graduated systems. However, the employee withholding percentage chosen on Arizona Form A-4 can materially change each paycheck and may create a refund or balance due.
Arizona does not tax Social Security benefits. Most private retirement income can be taxable, although Arizona allows limited exclusions for certain public pension income.
Assumptions: Single filer · Standard deduction · Biweekly pay · No pre-tax deductions · Estimates paycheck withholding, not final tax liability · Source: state DOR + IRS Pub 15-T, 2026
Tax rates verified for 2026 tax year.
ExactTakeHome starts with gross pay, applies your pay frequency, subtracts eligible pre-tax deductions (401k, HSA, FSA) from federal taxable wages, calculates federal income tax withholding using IRS Publication 15-T percentage method tables, applies Social Security (6.2% up to $184,500 wage base) and Medicare (1.45%) taxes on gross wages, then applies Arizona state income tax using the 2026 withholding tables from the Arizona Department of Revenue. Local tax is applied where available (NYC, Philadelphia, Columbus OH). Final take-home is an estimate of paycheck withholding, not your final tax return liability.
Calculate your Arizona take-home pay after federal withholding, FICA, state taxes, local taxes, and pre-tax deductions.
Pre-tax deductions like 401(k), HSA, and health insurance premiums reduce your taxable wages before federal income tax is calculated. This means you pay less tax on every paycheck — not just defer the money.
Why take-home increases: A 6% 401(k) contribution on $75,000 reduces taxable wages by $4,500, cutting both federal income tax and Arizona state income tax on that amount. Social Security and Medicare still apply to the original gross wages.
Pay frequency changes your paycheck size, not your annual salary. Withholding tables annualise each paycheck, so weekly and monthly results may differ slightly from biweekly.
Based on $75,000 annual salary, single filing status, no pre-tax deductions, Arizona withholding. Use the calculator above for your exact filing status and deductions.
Arizona uses a state withholding election process that is different from many states because employees choose a withholding percentage option rather than completing a traditional allowance worksheet. Workers moving from California or another progressive-tax state should not assume the same state withholding pattern will continue.
Arizona uses a flat state income tax structure for regular wage income. That means state withholding is generally more straightforward than in states with multiple rising brackets.
Arizona Form A-4 tells your employer how to withhold Arizona state income tax from wages. Choosing the wrong option can lead to too much withholding or a balance due at filing.
Quick answer: $100,000 after taxes in Arizona (2026)
Estimated take-home pay: $77,180/year ($6,432/month · $2,968/biweekly). Effective tax rate: 22.8%.
Arizona paychecks start with federal income tax withholding using the employee's Form W-4 inputs and IRS 2026 wage-bracket or percentage-method tables in Publication 15-T.
FICA is separate: employee Social Security is 6.2% on 2026 wages up to $184,500, and Medicare is 1.45% on all covered wages with no wage cap.
Employers must also withhold 0.9% Additional Medicare Tax when an employee's Medicare wages exceed $200,000 in the calendar year.
Arizona's state income tax is flat at 2.5% of taxable income under current Arizona statute; AZDOR withholding guidance lets employees elect a withholding percentage on Form A-4, including 2.5%. Arizona does not have a statewide employee-paid disability insurance or paid family leave payroll tax that affects standard wage withholding.
Estimates assume standard 2026 withholding, single filing status, and no pre-tax deductions; actual paycheck may differ.
| Tax | 2026 Rate | Wage Cap | Source |
|---|---|---|---|
| Federal Income Tax | 10%–37% (percentage-method withholding) | No wage cap | IRS Pub. 15-T |
| Social Security | 6.2% employee withholding | $184,500 | SSA 2026 |
| Medicare | 1.45% employee withholding | No wage cap | IRS Pub. 15 |
| Additional Medicare Surtax | 0.9% on wages over $200,000 | No wage cap | IRS Topic 560 |
| Arizona State Income Tax | 2.5% flat | No wage cap | Arizona Legislature 2026 |
Local taxes in some cities change your take-home pay beyond the state rate.
Some cities and counties in Arizona set wage floors above the statewide rate. Use these verified local pages when you need the current ordinance rate before moving into a paycheck estimate.
Compare two salary offers in different states
Compare Arizona take-home with other states:
The Arizona paycheck calculator computes your exact take-home pay for 2026.
For a $75,000 salary, a single filer in Arizona takes home $60,093 per year ($2,311 per biweekly paycheck) after federal and state taxes.
Example Calculation — $75,000 Salary
$75,000 salary in Arizona
$60,093/year
$2,311 per biweekly paycheck
19.9% effective tax rate| Federal income tax | -$7,670 |
| Social Security (6.2%) | -$4,650 |
| Medicare (1.45%) | -$1,088 |
| Arizona state tax | -$1,500 |
Assumptions: Single filer · Biweekly · No 401(k) · Standard W-4 · Customize below ↓
Arizona uses a flat 2% state income tax rate on all taxable wages in 2026. For a single filer earning $100,000, the effective Arizona state income tax rate is approximately 2%, and the annual take-home pay is approximately $77,180 after all taxes.
Use the calculator above to enter your exact salary, filing status, and pre-tax deductions for a precise Arizona take-home pay estimate.
Arizona uses a flat income tax structure for wage income, meaning most taxable wages are handled with one statewide rate rather than rising brackets. For workers, this usually makes Arizona withholding easier to estimate than in progressive-tax states.
ExactTakeHome tax data is sourced from official government publications and verified against primary sources. Last verified: .