Arizona Paycheck Calculator 2026 – Salary & Take-Home Pay

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How your Arizona paycheck is calculated

Your employer starts with your gross pay, removes pre-tax benefits, withholds federal income tax, Arizona income tax, Social Security and Medicare, takes after-tax deductions and pays you the rest.

1. Gross paySalary, or hours × rate, plus overtime, bonuses and tips
2. Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
3. TaxesFederal income tax, 2.5% Arizona tax, Social Security and Medicare
4. After-tax deductionsRoth 401(k), union dues, garnishments
5. Net payThe take-home amount paid to you

What is taken out of an Arizona paycheck in 2026

Arizona flat income tax rate for 2026

Arizona taxes all income at a single 2.5% rate, whatever your filing status (Arizona Department of Revenue). The tax is worked out like this:

• Start with federal adjusted gross income. Traditional 401(k) contributions, health premiums, HSA and FSA contributions lower your Arizona tax too.
• Subtract the standard deduction. It matches the federal amount: $16,100 for single filers, $24,150 for heads of household and $32,200 for married couples filing jointly in 2026 ($15,750, $23,625 and $31,500 in 2025). You can itemize on your Arizona return instead if your deductions are larger.
• Subtract $2,100 for each taxpayer or spouse aged 65 or older.
• Subtract the federal tips, overtime and senior deductions. These follow the federal amounts (see below).
• Multiply by 2.5%, then take off the dependent credit.

A single filer earning $100,000 has $83,900 of Arizona taxable income after the $16,100 standard deduction. The tax is 2.5% of that, or $2,097.50, about 2.1% of gross pay.

Arizona dependent credit and other 2026 tax changes

Arizona has no dependent exemption. It gives a tax credit instead: $125 for each dependent under 17 in 2026 (up from $100) and $25 for each older dependent. The credit shrinks by 5% for each $1,000 of income over $200,000, or $400,000 for joint filers. These changes come from HB 4168, signed in June 2026 (Laws 2026, chapter 140). The same law also:

• lets you subtract the federal deductions for qualified tips (up to $25,000), the overtime premium (up to $12,500, or $25,000 for joint filers) and the $6,000 senior deduction, from 2025;
• allows the federal car loan interest deduction for 2025 only;
• replaces the old charitable add-on with a charitable subtraction of up to $1,000 ($2,000 for joint filers) from 2026.

Arizona withholding: Form A-4 percentages

Arizona withholding works differently from most states. You do not claim allowances. Instead you pick a percentage of your taxable wages on Form A-4: 0.5%, 1%, 1.5%, 2%, 2.5%, 3% or 3.5%. You can also choose 0% if you expect to owe no Arizona tax. If you do not file a Form A-4, your employer withholds 2%. The options are the same in 2026 as in 2025 (Bloomberg Tax).

Your real tax is lower than 2.5% of your pay because of the standard deduction. On a $100,000 salary the default 2% withholding takes $2,000 a year, close to the actual tax of $2,097.50. At $50,000 the actual tax is $847.50, about 1.7% of pay, so 1.5% withholding fits better. This calculator shows your actual Arizona tax for the year. Hover over the Arizona tax line to see what 2% withholding would take.

Federal taxes on every Arizona paycheck

Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37%, and the standard deduction is $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household (IRS).

• Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
• Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.

Take-home pay examples in Arizona for 2026

These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions:

A married couple filing jointly on $150,000 of combined pay takes home about $120,240 a year (19.8% in total taxes). With two children under 17, a couple earning $100,000 takes home about $87,665. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $43,065 a year, or $3,589 a month.

Arizona take-home pay compared with nearby states

On a $100,000 salary, a single filer keeps about $77,083 in Arizona, $72,969 in California and $79,180 in states with no income tax on wages, such as Nevada and Texas. Arizona's 2.5% rate costs about $2,100 a year at that income, while California's tax and SDI cost about $6,200. Compare with our California and Texas paycheck calculators.

Paychecks in Phoenix, Tucson and Mesa

No Arizona city taxes wages, so the same salary gives the same take-home pay in Phoenix, Tucson, Mesa, Chandler, Scottsdale, Flagstaff and anywhere else in the state. What differs is the local minimum wage: Flagstaff's is $18.35 an hour in 2026 and Tucson's is $15.45, above the state rate. Phoenix and Mesa follow the state minimum.

How bonuses, overtime and tips are taxed in Arizona

• Bonuses: Employers usually withhold a flat 22% federal tax on bonuses, plus your A-4 percentage for Arizona and Social Security and Medicare. Your real tax is settled when you file. On a $100,000 salary you keep about $6,785 of a $10,000 bonus. See the bonus tax calculator.
• Overtime: Arizona has no state overtime law, so the federal rule applies: most hourly workers get 1.5 times their regular rate for hours over 40 in a workweek. The extra half-time pay is deductible federally (up to $12,500, or $25,000 for joint filers) and Arizona subtracts the same amount. See the overtime calculator.
• Tips: Qualified tips of up to $25,000 are deductible federally from 2025 to 2028, and Arizona subtracts the same amount. A single server earning $40,000 plus $15,000 in tips pays Arizona tax on $23,900 instead of $38,900 and takes home about $47,575.

How pre-tax deductions lower your Arizona taxes

Salary or hourly pay in Arizona

For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. The Arizona minimum wage is $15.15 an hour in 2026, or $31,512 a year full time. Employers can pay tipped workers $12.15 an hour in cash wages if tips make up the difference. A single full-time worker on $15.15 an hour takes home about $27,115 a year.

Arizona employers must pay at least twice a month. If you are fired, your final pay is due within seven working days or by the next regular payday, whichever comes first. If you quit, it is due on the next regular payday.

Why your actual paycheck may differ from this estimate

• This calculator estimates your tax for the full year. Your employer withholds Arizona tax at the A-4 percentage you chose, so each check can show more or less than your real Arizona tax.
• Federal withholding uses the IRS tables and your W-4, which can differ a little from your final tax.
• The Arizona family income tax credit, charitable subtractions and other credits are claimed when you file, not through your paycheck.
• Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.

How to increase your take-home pay in Arizona

• Pick the A-4 percentage that matches your actual tax. Many workers earning under $75,000 over-withhold at the default 2%. That money comes back as a refund, not in each paycheck.
• Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 after a raise, a new job or a change in your family.
• Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. Each dollar saves federal tax and 2.5% Arizona tax.
• If you earn tips or overtime, keep records so you can claim the federal and Arizona deductions.

How this calculator works

The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), the flat 2.5% Arizona rate, the Arizona standard deduction and age 65 exemption, the HB 4168 subtractions for tips, overtime and seniors, the Arizona dependent credit and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.

Last reviewed: October 28, 2026.