Arizona Paycheck Calculator
Estimate your Arizona take-home pay after federal tax, FICA, and Arizona state income tax. Enter your gross pay, filing status, and pre-tax deductions to see your net pay per paycheck.
2026 rate, standard deduction, and personal exemption verified against Tax Foundation 2026 data.
- Take-home$52,991.25 · 81.53%
- Federal tax$5,620.00 · 8.65%
- Social Security + Medicare$4,972.50 · 7.65%
- Arizona tax$1,416.25 · 2.18%
| Item | Per bi-week | % of gross |
|---|---|---|
| Gross pay | $2,500.00 | 100% |
| Federal withholding | $216.15 | 8.65% |
| Social Security | $155.00 | 6.20% |
| Medicare | $36.25 | 1.45% |
| Arizona income tax | $54.47 | 2.18% |
| Take-home pay | $2,038.13 | 81.53% |
The lowest flat income tax in the country
Arizona applies a single 2.5% rate to taxable income — the lowest flat state income tax anywhere in the US. On a typical salary the state line on your pay stub is small enough that federal withholding dwarfs it, which makes Arizona take-home pay unusually easy to predict.
Because the rate does not step up with income, a raise in Phoenix or Tucson does not push you into a higher state bracket. The only thing that grows is the same 2.5% applied to a larger number, so your state tax scales linearly while your federal tax does not.
Arizona lets you choose your own withholding rate
Most states calculate withholding from allowances or a formula. Arizona Form A-4 instead asks you to elect a percentage of gross taxable wages to withhold, from a short list of options, with an additional flat-dollar amount if you want one. It is a genuinely different mechanism, and it means Arizona over- or under-withholding is usually a choice rather than an accident.
If you have never filled in an A-4, your employer may be applying a default rate that has nothing to do with your actual liability. Checking it is a five-minute job that can be worth several hundred dollars of cash flow across a year.
What comes out of an Arizona paycheck
Federal income tax from your W-4, Social Security up to the annual wage cap, and Medicare on all wages with a surcharge above the high-earner threshold, plus the 2.5% state tax on income above Arizona's standard deduction. There is no state payroll programme premium and no local income tax anywhere in Arizona.
Pre-tax 401(k) and health contributions reduce both the federal and the state taxable base, so each dollar deferred saves at your federal marginal rate plus 2.5%.
Part-year residents and snowbirds
Arizona's large seasonal population makes residency a live question. Arizona taxes residents on all income and non-residents only on Arizona-source income, so someone splitting the year between Arizona and another state may file in both and apportion accordingly.
The calculator above models a full-year Arizona resident. If you moved mid-year or maintain a home in another state, treat the result as the Arizona-source portion rather than your whole tax picture.
How Arizona taxes your paycheck
Arizona has a flat 2.5% state income tax. Use the calculator above to estimate your take-home pay after all withholdings.
Every US paycheck also has federal income tax, Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus 0.9% on high earners) withheld. Your taxable income is your gross pay minus pre-tax deductions such as 401(k) and pre-tax health premiums.
Frequently Asked Questions
How much is taken out of a paycheck in Arizona?
Arizona paychecks have federal income tax, Social Security (6.2%), and Medicare (1.45%) withheld, plus a flat 2.5% state income tax. The exact amount depends on your pay, filing status, and pre-tax deductions.
Does Arizona have a state income tax?
Yes. Arizona levies a flat 2.5% state income tax in addition to federal taxes.
How is this take-home estimate calculated?
It applies 2026 estimated federal brackets, FICA rates, state income-tax rates, local taxes where configured, and employee payroll-program rates to your annual pay minus pre-tax deductions, then divides by your pay frequency. It is a simplified estimate, not official payroll withholding.
How do I set my Arizona withholding rate?
Arizona Form A-4 asks you to elect a withholding percentage of gross taxable wages, rather than claiming allowances. If you have never completed one, your employer may be applying a default rate unrelated to your actual liability, so it is worth checking.
Does Arizona have local income taxes?
No. Arizona has no city or county income taxes and no employee-paid state payroll programme. The flat 2.5% state rate is the only state-level deduction on your pay stub.
I only live in Arizona part of the year. How is that taxed?
Arizona taxes residents on all income and non-residents on Arizona-source income only, so a part-year resident generally files in both states and apportions. This calculator models a full-year resident.