What taxes are actually taken out of an Arizona paycheck?

Four lines come out of a typical Arizona W-2 paycheck: (1) federal income tax withheld per your Form W-4 using 2026 IRS brackets; (2) Arizona state income tax withheld at the A-4 rate you elected (0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, or 3.5%) — the default for new hires who don't file A-4 is 2.0%; (3) Social Security at 6.2% up to the $184,500 wage base; (4) Medicare at 1.45% on all wages, plus 0.9% Additional Medicare above $200,000 (single/HoH) or $250,000 (MFJ). Arizona withholds no local income tax and no state disability or paid-leave premium.

What is Arizona Form A-4 and which rate should I pick?

Form A-4 (Arizona Employee's Withholding Election) lets you tell your employer how much Arizona income tax to withhold, expressed as a percent of gross taxable wages. The seven statutory options are 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, and 3.5%. Because Arizona's actual tax rate is a flat 2.5%, choosing 2.5% typically produces a near-zero refund/balance for single filers with only wage income. Pick a lower rate (0.5%–2.0%) if you have significant itemized deductions, dependent tax credits, or expect to itemize. Pick a higher rate (3.0%–3.5%) if you have side income, RSU/bonus lumps, or want a larger refund. Filers who don't submit A-4 default to 2.0%.

How much do I take home on a $50,000, $75,000, or $100,000 salary in Arizona?

Estimated Arizona net pay (single filer, no pre-tax 401(k)/health, 2026 federal + AZ 2.5% + FICA, A-4 at 2.5%): $50,000 → about $41,105 per year (~$1,581 biweekly, ~$3,425 monthly); $75,000 → about $59,718 per year (~$2,297 biweekly); $100,000 → about $76,680 per year (~$2,949 biweekly); $150,000 → about $110,041 per year. Arizona's 2.5% flat rate leaves noticeably more per check than neighboring California (up to 12.3%) or New Mexico (up to 5.9%), and is competitive with Colorado's 4.4% flat rate and Utah's 4.55% flat rate.

How is Arizona take-home pay calculated?

Start with gross wages, subtract pre-tax deductions (traditional 401(k)/403(b), HSA, FSA, and Section 125 health/dental/vision premiums), apply the 2026 federal income tax brackets and standard deduction, then apply Arizona's flat 2.5% rate to Arizona taxable income (federal AGI with Arizona adjustments minus the AZ standard deduction: $14,600 single, $29,200 MFJ for 2026). Finally withhold 6.2% Social Security up to $184,500 and 1.45% Medicare. What remains is your Arizona net paycheck. The A-4 rate you chose determines how much AZ tax is withheld each check — the actual 2.5% liability is reconciled on Form 140 at year-end.

How do I calculate an Arizona hourly paycheck?

Multiply your hourly rate × hours worked per pay period (add 1.5× overtime for hours over 40 in a workweek under FLSA — Arizona has no state daily overtime rule), subtract pre-tax 401(k)/HSA/health, then withhold federal income tax, Arizona at your A-4 rate, and FICA (6.2% + 1.45%). Example: $20/hour × 80 biweekly hours = $1,600 gross → roughly $1,290–$1,340 net biweekly at 2.5% A-4 and single W-4. Arizona's 2026 statewide minimum wage rises to $14.70/hour under the Fair Wages and Healthy Families Act (Prop 206); Flagstaff sets a higher local floor at $17.85/hour and Tucson at $15.00/hour for 2026.

How are bonuses and supplemental wages taxed on an Arizona paycheck?

Bonuses, commissions, RSUs, and other supplemental wages in Arizona are withheld at the 22% federal supplemental flat rate (37% on annual supplemental wages above $1 million), plus 6.2% Social Security, 1.45% Medicare, and Arizona income tax at your A-4 percent (default 2.0% for employees without A-4 on file, or the 2.5% flat rate on the year-end reconciliation). That typically leaves 70–76% of a bonus in your bank account — more than California, Oregon, or New Mexico on the same gross bonus, roughly on par with Colorado.

Do Phoenix, Tucson, Mesa, or Scottsdale have a local income tax on wages?

No. No Arizona city, town, or county imposes a local income tax on employee wages. Paycheck withholding math is identical across Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, Tempe, Peoria, Surprise, Flagstaff, and Yuma — same federal tax, same FICA, same 2.5% Arizona rate. What changes locally is only the minimum wage (Flagstaff $17.85, Tucson $15.00, everywhere else $14.70 in 2026) and Arizona's Transaction Privilege Tax (a sales-side tax paid by businesses, not withheld from paychecks).

I live in Arizona but work remotely for an out-of-state company — whose taxes apply?

Arizona taxes its residents on all wages regardless of the employer's location, so remote work for an out-of-state company still owes Arizona 2.5% on those wages. If the employer's state also withholds (e.g., California, New York, or Oregon), Arizona gives a credit for taxes paid to another state on the same wages under A.R.S. § 43-1071, avoiding double taxation. Arizona has a limited reciprocity agreement only with California, Indiana, Oregon, and Virginia for wages earned while physically in Arizona by residents of those states — the reciprocity does not cover Arizona residents working out-of-state. File Arizona Form 140 as a resident and, if withholding is short, submit a revised A-4 to increase Arizona withholding to 3.0% or 3.5%.

How often must Arizona employers pay employees?

Under A.R.S. § 23-351, most Arizona private-sector employers must pay employees at least twice per month (semi-monthly), with paydays no more than 16 days apart, and wages earned in a pay period paid within five business days of the period's close. Common private-sector schedules are weekly (52 checks/year), biweekly (26), and semi-monthly (24). Your annual Arizona tax bill is identical across schedules — the calculator annualizes gross wages, applies 2.5% flat tax, and divides the net back into per-check amounts. Per-check take-home differs slightly because FICA stops mid-year at the $184,500 Social Security wage base and federal withholding tables round each period.

How is a 1099 contractor paycheck taxed in Arizona?

Arizona 1099 self-employed workers pay 15.3% federal self-employment tax (12.4% Social Security up to $184,500 + 2.9% Medicare, with 0.9% Additional Medicare above $200k single / $250k MFJ) plus federal income tax at their bracket plus Arizona 2.5% on net self-employment income. Because no employer withholds, contractors must file Arizona Form 140ES quarterly estimated payments (April 15, June 15, September 15, January 15) to avoid the underpayment penalty. Half of federal SE tax is deductible from AGI, and 20% of qualified business income may also be deductible federally under IRC § 199A — Arizona conforms to both.

How does this compare to ADP's Arizona paycheck calculator?

ADP's public Arizona paycheck calculator applies AZ's 2.5% flat rate and federal + FICA correctly, but it's built as a lead form for ADP's payroll product — it treats Form A-4 as a generic percentage input and doesn't explain the seven statutory A-4 options, the 2.0% default for employees without A-4, or the § 43-1071 out-of-state credit for remote workers. This calculator models the A-4 rate you actually elected against your true 2.5% liability, plus every AZ variant (Arizona paycheck tax calculator, AZ hourly paycheck calculator, Arizona state paycheck calculator, paycheck calculator Phoenix / Tucson / Mesa / Scottsdale) — no signup, no email capture.

How does this compare to SmartAsset's Arizona paycheck calculator?

SmartAsset's Arizona calculator gets 2.5% flat and federal math right, but its result funnels users into a financial-advisor matching questionnaire. This tool focuses on the paycheck itself: it exposes A-4 rate selection with a live over/under-withholding readout against the actual 2.5% liability, plus MFJ vs MFS federal behavior, Arizona-specific pre-tax items, and per-frequency worked examples for Phoenix, Tucson, Mesa, Scottsdale, Chandler, and Flagstaff — no advisor matching, no email capture.

How much do I take home in Arizona on a $50,000, $75,000, or $100,000 salary?

Arizona levies a flat 2.5% state income tax on all wage income (A.R.S. § 43-1011). A single filer earning $50,000 nets roughly $41,105 per year (~$1,581 biweekly) after federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%), and Arizona's 2.5% flat tax. At $75,000 the net is about $59,718 per year; at $100,000 it is about $76,680 per year. Arizona employees choose an A-4 withholding rate (0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, or 3.5%); picking 2.5% matches your actual tax and avoids a refund or bill at year-end.

What is Arizona's state income tax rate in 2026?

Arizona uses a single 2.5% flat state income tax on all taxable wages, salaries, tips, bonuses, and overtime in 2026 under A.R.S. § 43-1011. There is no bracket structure, and no Arizona city, town, or county — including Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, or Tempe — imposes a local wage income tax.

Do Phoenix, Tucson, or Scottsdale have a local income tax on wages?

No. No Arizona city or county imposes a local income tax on employee wages. Paycheck withholding math is identical across Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, Tempe, Peoria, Surprise, and Flagstaff — same federal tax, same FICA, and the same 2.5% Arizona flat rate.

Which Arizona Form A-4 rate should I pick?

Form A-4 offers seven statutory rates — 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, and 3.5%. Because Arizona's actual tax is a flat 2.5%, picking 2.5% lands closest to zero refund or balance due for a single-job filer with no side income. New hires who don't submit A-4 default to 2.0%. Pick 3.0%–3.5% for a bigger refund; pick 0.5%–2.0% only if you expect large itemized deductions or credits.

What taxes are actually taken out of an Arizona paycheck?

Four lines come out of a typical Arizona W-2 paycheck: federal income tax per Form W-4 using 2026 IRS brackets; Arizona state income tax at your A-4 rate (default 2.0% if no A-4 on file); Social Security at 6.2% up to the $184,500 wage base; and Medicare at 1.45% on all wages plus 0.9% Additional Medicare above $200,000 (single/HoH) or $250,000 (MFJ). Arizona withholds no local income tax and no state disability or paid-leave premium.

What rate is used if a new hire doesn't submit Form A-4?

If a new employee does not submit an A-4 within the first five days of employment, Arizona statute (A.R.S. § 43-401) requires the employer to withhold at the 2.0% default rate. Because Arizona's flat income tax is 2.5%, staying at the 2.0% default typically produces a small balance due at tax time. New hires who want to break even should elect 2.5% instead.

Which A-4 rate should I choose to break even?

For most W-2 employees with only wage income and the standard deduction, 2.5% matches Arizona's flat tax rate and produces roughly a $0 balance at filing. Choose 3.0% or 3.5% if you want a refund cushion or have side income (1099, capital gains) that isn't withheld on. Choose 0.5%–2.0% only if you expect Arizona credits (dependent tax credit, Qualifying Charitable Organization credit, private-school tuition credit) that reduce your AZ liability below 2.5% of wages.

How does my A-4 rate compare to my actual Arizona tax liability?

Your true Arizona liability is a flat 2.5% of AZ taxable income after the state's standard/itemized deduction — regardless of what A-4 rate you picked. A-4 only controls the pace of withholding across paychecks. Example: on $75,000 wages, AZ tax is roughly $1,875. Electing 3.5% withholds $2,625 (≈ $750 refund); electing 2.0% withholds $1,500 (≈ $375 balance due). The total tax is the same in both cases.

When should I file a new A-4?

Submit a new A-4 to your employer any time your situation changes materially: (1) marriage, divorce, or a new dependent; (2) a large pay raise or bonus that pushes you into a different refund/owe pattern; (3) a working spouse whose withholding is now covered elsewhere; (4) you start or stop 1099 side income; (5) you no longer qualify for Arizona credits that let you use a lower rate; (6) each January to reset if you had a large refund or balance due the prior year. There is no annual expiration — A-4 stays in effect until you replace it.

Can I claim zero Arizona withholding on A-4?

Only if you meet Arizona's exemption criteria — you had no AZ tax liability last year and expect none this year, or you're a nonresident of a reciprocal state (currently none apply for AZ), an active-duty military spouse under MSRRA, or a Native American living and working on your tribe's reservation. In those cases you check the exemption box on A-4 rather than picking a percentage. Otherwise, 0.5% is the lowest available rate.

What happens if I change my A-4 mid-year?

The new rate applies only to paychecks issued after your employer processes the updated form (usually 1–2 pay cycles). Prior withholding at the old rate is not reversed. If you're catching up because you under-withheld, either pick a higher rate for the rest of the year or make an AZ estimated payment on Form 140ES to avoid an underpayment penalty.

How does A-4 work if I have two W-2 jobs in Arizona?

Each employer applies the A-4 rate you gave them independently. Because Arizona is a flat 2.5% tax with no brackets, having two jobs does not push you into a higher rate — your combined liability is still 2.5% of combined AZ taxable wages. As long as both employers withhold at 2.5%, you'll break even. The main risk is if either job uses the 2.0% default; consider updating both A-4s to 2.5%.

Can I have extra flat-dollar Arizona tax withheld on A-4?

Yes. The A-4 form includes an optional line for an additional flat-dollar amount per paycheck on top of the percentage election. Use this to cover 1099 income, capital gains, or a working spouse's under-withholding without switching to a higher percentage.

Do I file A-4 if I live in Arizona but work remotely for an out-of-state employer?

Yes if the employer registers for Arizona withholding — you give them an A-4 like any other Arizona employee. If the employer refuses to withhold Arizona tax (common for small out-of-state payrolls), you're responsible for making AZ estimated payments on Form 140ES four times a year to cover the 2.5% liability yourself.

How do I avoid an underpayment penalty as an Arizona freelancer?

Meet either federal safe harbor: (1) pay at least 90% of your current-year tax through withholding + estimates, or (2) pay 100% of last year's total tax (110% if your prior-year AGI exceeded $150,000). Arizona mirrors the same 90% / 100% test on Form 221. Split your total safe-harbor amount evenly across four 140ES vouchers, or use the annualized-income installment method (Form 2210 Schedule AI / AZ Form 221) if income is seasonal.

Do 1099 workers in Arizona get the 20% QBI § 199A deduction?

Yes. Sole proprietors, single-member LLCs, and pass-through owners can deduct up to 20% of qualified business income on the federal return. Arizona conforms to federal AGI, so the QBI deduction indirectly reduces Arizona taxable income too. For 2026 the phase-in thresholds are roughly $241,950 single / $483,900 MFJ; specified service trades (consulting, health, law, finance) start losing the deduction above those levels. Below the threshold, all qualified 1099 income gets the full 20% federal deduction.

How does a Solo 401(k) reduce my Arizona self-employment tax bill?

A Solo 401(k) does NOT reduce the 15.3% federal SE tax — SE tax is calculated on net Schedule C income before retirement contributions. But traditional (pre-tax) Solo 401(k) contributions do reduce federal AGI, which flows into Arizona taxable income and cuts the AZ 2.5% flat tax. In 2026 you can defer up to $23,500 as employee ($31,000 if age 50+) plus roughly 20% of net SE income as employer profit-sharing, up to a combined $70,000. Example: $25,000 traditional contribution on $100k net SE saves ~$625 in AZ tax and lowers your federal bracket, but SE tax stays the same.

Should an Arizona freelancer pick a SEP-IRA or Solo 401(k)?

Both are pre-tax and cut federal AGI + Arizona 2.5% tax the same way. Choose Solo 401(k) if you want higher contributions at lower income (employee deferral + profit-sharing beats SEP's ~20%-of-net cap), a Roth option, or a $50k+ loan feature. Choose SEP-IRA if you want the simpler setup and no annual Form 5500 (required once Solo 401(k) assets exceed $250,000). SIMPLE-IRA is rarely optimal for solo filers — lower limits.

Can I deduct self-employed health insurance premiums in Arizona?

Yes. Premiums you pay for yourself, spouse, and dependents are an above-the-line federal deduction (Schedule 1) up to the amount of net SE profit. Arizona conforms, so the deduction also lowers AZ taxable income. It doesn't reduce federal SE tax (still 15.3% on net Schedule C), but it does reduce federal income tax and the AZ 2.5% flat.

Does Arizona let me deduct half of my self-employment tax?

Indirectly, yes. The federal ½ SE tax deduction (Schedule 1, line 15) lowers federal AGI, and Arizona starts its calculation from federal AGI, so the deduction flows through automatically. You don't add it back on Arizona Form 140.

Do I owe Arizona quarterly payments in my first year of freelancing?

Technically no — the safe harbor lets first-year self-employed filers skip estimates if they had zero prior-year AZ tax. But most CPAs recommend paying anyway to avoid a large April bill and cash-flow shock. Rule of thumb: set aside 25–30% of every 1099 payment into a separate savings account (roughly 15.3% federal SE + your federal bracket + 2.5% Arizona), then remit each quarter via AZAWebPay or IRS Direct Pay.

Do I owe any city or county income tax on 1099 income in Arizona?

No. No Arizona municipality — including Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, or Flagstaff — levies a local income tax on wages or self-employment income. You may still owe city Transaction Privilege Tax (TPT) on gross receipts if you sell taxable goods or services, but that's separate from income tax and is billed to the customer, not withheld from your paycheck.

Do Arizona 1099 workers pay state PFML, SDI, or long-term-care tax?

No. Arizona has no paid family & medical leave program, no state disability insurance, and no Washington-Cares-style long-term care payroll tax. Your only payroll-style taxes are the federal 15.3% SE tax and (if you had employees) FUTA/AZ SUTA — none of which apply to solo 1099 income for yourself.

What business deductions matter most for an Arizona 1099?

The top four for solo filers: (1) vehicle mileage at the 2026 IRS standard rate of 67¢/mile for business miles; (2) home office — simplified $5/sq ft up to 300 sq ft or actual-expense method; (3) § 179 expensing for equipment up to $1.16M in 2026; (4) qualified business income (QBI) 20% deduction. Each reduces both federal SE tax (except QBI) and Arizona 2.5% tax.

When does the 0.9% Additional Medicare tax apply to Arizona freelancers?

It kicks in on wages + SE earnings above $200,000 single / $250,000 MFJ / $125,000 MFS. Report on federal Form 8959; there is no matching Arizona surtax. High earners typically bump their quarterly 1040-ES payments by the Additional Medicare amount to stay inside the safe harbor.

Arizona Paycheck Calculator 2026 — AZ Take-Home Pay (2.5% Flat Tax, Form A-4, Hourly & Salary)

How much do I take home in Arizona on a $50k, $75k, or $100k salary?

Arizona has a flat 2.5% state income tax on wages, salaries, tips, and bonuses (A.R.S. § 43-1011, effective tax year 2023 forward).
No local or city income tax — Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, and Tempe all withhold $0 in local wage tax.
Every paycheck also has federal income tax, Social Security (6.2% up to $184,500), and Medicare (1.45% + 0.9% above $200,000 single).
Employees pick a withholding rate on Arizona Form A-4: 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, or 3.5%. Choosing 2.5% matches the actual flat tax and minimizes over/under-withholding.

$50,000 salary

$41,105 /yr

~$1,581 biweekly · ~$3,425 /mo

AZ state tax: $1,250

$75,000 salary

$59,718 /yr

~$2,297 biweekly · ~$4,976 /mo

AZ state tax: $1,875

$100,000 salary

$76,680 /yr

~$2,949 biweekly · ~$6,390 /mo

AZ state tax: $2,500

How Form A-4 affects your Arizona withholding

Form A-4 is Arizona's state equivalent of the federal W-4. You choose one of seven flat percentages (0.5%–3.5%) that your employer withholds from every paycheck. Because Arizona's actual tax is a flat 2.5%, selecting 2.5% lands closest to zero at tax time. Pick a higher rate (3.0% or 3.5%) if you want a refund or have side income; pick a lower rate (1.0%–2.0%) only if you expect large deductions or credits. New hires who skip Form A-4 default to 2.0% withholding.

Sources: A.R.S. § 43-1011 (Arizona flat individual income tax); Arizona Department of Revenue Form A-4 (2026); IRS Rev. Proc. 2025-32; SSA 2026 wage base. Adjust your A-4 rate, 401(k), HSA, and filing status in the calculator below for a personalized estimate.

1Pay Details
2Your State
3Results

Step 1 — Your Pay

Gross Pay

Pay Frequency

Pay Type

Step 2 — Your State

State

Filing Status

Allowances

Your Estimated Take-Home Pay

$52,782.50

per annual paycheck (1 per year)

Gross Pay$65,000.00

100.0%

Federal Tax−$5,620.00

8.6%

Arizona State Tax−$1,625.00

2.5%

Social Security−$4,030.00

6.2%

Medicare−$942.50

1.5%

Pre-tax Deductions$0.00

0.0%

Net Take-Home$52,782.50

81.2%

Annual take-home

$52,783

Monthly take-home

$4,399

Good salary benchmark — Arizona

vs Arizona median household salary of $72,581/yr

90%

of Arizona median

−$7,581

below median

$0Arizona median: $72,581$145,162

Comparing against Arizona median household income · $72,581 (2023 ACS)

Your salary is below the Arizona median. Negotiating a raise, switching roles, or relocating can help close the gap.

Source: Arizona median household income ($72,581). Comparison divides your gross salary by the state median. Data drawn from the latest available U.S. Census Bureau ACS estimates for Arizona.

Effective rate 18.8%Marginal federal 12%

Full breakdown

Paycheck Estimate — 2026

US State Paycheck Calculator · usstatepaycheckcalculator.com · Generated August 12, 2026

Inputs

Gross pay	$65,000.00 / annual
Pay type	Salary
State	Arizona
Filing status	Single
Allowances	0
401(k) contribution	—
Health (pre-tax / period)	—
HSA (pre-tax / period)	—
Other pre-tax / period	—

Results

Take-home — Arizona

Line item	Per annual	Annual
Gross pay	$65,000.00	$65,000
Federal income tax	−$5,620.00	−$5,620
State income tax	−$1,625.00	−$1,625
Social Security (6.2%)	−$4,030.00	−$4,030
Medicare (1.45% + 0.9% over threshold)	−$942.50	−$943
Pre-tax deductions	−$0.00	−$0
Net take-home	$52,782.50	$52,783

Effective tax rate: 18.8% · Marginal federal: 12%

Estimate only — not tax or payroll advice. Based on 2026 IRS federal brackets, FICA rates (Social Security wage base $184,500), and the selected state's published tax rules. Excludes itemized deductions, household credits, local/city/county taxes, employee-paid SUI/SDI, garnishments, post-tax benefits, equity compensation, and bonus/special supplemental withholding.

Before you download

Assumptions & Notes

These are the exact rules and constants used to produce your results — the same content included in the PDF report.

Filing status

Single

Std. deduction

$16,100

SS wage base

$184,500

Addl Medicare @

$200,000

Model coverage

What this calculation covers

A quick snapshot of which tax categories are actually applied to your current inputs — and which are intentionally excluded.

3 modeled7 excluded

Modeled in this result

Federal income tax
2026 IRS brackets (Rev. Proc. 2025-32) with standard deduction
FICA — Social Security & Medicare
6.2% up to $184,500 wage base + 1.45% + 0.9% Additional Medicare surtax
Arizona state income tax
2026 published brackets or flat rate on wages after pre-tax deductions

Excluded from this result

Itemized deductions (SALT, mortgage, charitable)
Standard deduction always applied
Tax credits (CTC, EITC, care, education, energy, ACA)
Would reduce final tax owed
Local / city / county income taxes
e.g. NYC, Philadelphia, Ohio localities
Employee SUI / SDI / PFML
e.g. CA, NJ, NY, WA state disability & paid family leave
Equity comp & supplemental bonus withholding
RSUs, ISOs, ESPP, 22% bonus rule
Roth 401(k) & post-tax insurance
Doesn't reduce taxable wages but does reduce take-home
Wage garnishments & child support
Court-ordered withholdings from net pay

See the full excluded list — with per-item explanations — in "What's not modeled" below.

Transparency

What's not modeled

Review the deductions, credits, and exemptions this estimator intentionally excludes — so you know what to double-check before relying on the numbers or downloading the PDF.

2026 Net Pay Breakdown

Where every dollar goes

Filing: SingleArizonaTax year 2026

Line item	Per annual paycheck	Annual
Gross wages	$65,000.00	$65,000
Federal income tax
Federal income tax (IRS brackets) Marginal bracket 12% · 2026 IRS Rev. Proc. 2025-32	−$5,620.00	−$5,620
FICA payroll taxes
Social Security (6.2%) 6.2% of FICA wages, up to $184,500 cap	−$4,030.00	−$4,030
Medicare (1.45%) No wage cap — applies to every dollar of FICA wages	−$942.50	−$943
Additional Medicare (0.9%) Not applicable — kicks in over $200,000 for Single	−$0.00	−$0
Total FICA	$4,972.50	$4,973
State income tax
Arizona state income tax Flat 2.50% on taxable wages	−$1,625.00	−$1,625
Total withholding
Total taxes + deductions	$12,217.50	$12,218
Net take-home pay	$52,782.50	$52,783

Calculated using 2026 IRS federal brackets (Rev. Proc. 2025-32), the $184,500 Social Security wage base, a $16,100 standard deduction for Single, and the Arizona 2026 state tax rules. Pre-tax 401(k) reduces federal taxable wages but is still subject to FICA; health and HSA contributions reduce both federal and FICA wages. Estimate only — not tax advice.

Arizona payroll taxes at a glance (2026)

Last updated: January 15, 2026Data version v2026.1Tax year 2026

Canonical numbers used by every calculation on this page. Arizona is a flat-tax state with no local wage tax — the only city-level variation is the minimum wage floor in Flagstaff and Tucson.

State income tax
2.5% flat (all wages)
A.R.S. § 43-1011 — same rate for Single, MFJ, HoH, and MFS
A.R.S. § 43-1011 ↗
Local wage tax
$0 in every AZ city
Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, Tempe — no local income tax
ADOR Withholding ↗
Withholding form
Arizona Form A-4
Pick 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, or 3.5% — default 2.0% if no A-4 on file
Form A-4 (ADOR) ↗A.R.S. § 43-401 ↗
Recommended A-4 rate
2.5%
Matches the actual flat tax — closest to zero refund/bill at year-end
Form A-4 instructions ↗
$50k take-home @ A-4 2.5%
≈ $41,105/yr · $1,581 biweekly
Single, std deduction: −$3,820 federal · −$3,825 FICA · −$1,250 AZ (2.5%). Switch A-4 to 2.0% → withholds ~$250 less/yr (small bill in April); 3.0% → ~$250 more (small refund).
Form A-4 ↗IRS Pub 15-T ↗
Standard deduction (2026)
$16,100 Single · $32,200 MFJ
Arizona conforms to the federal standard deduction (A.R.S. § 43-1041)
A.R.S. § 43-1041 ↗IRS 2026 inflation adjustments ↗
State minimum wage (2026)
$14.70/hr
Indexed annually to CPI-U (Prop 206 / A.R.S. § 23-363)
ICA minimum wage ↗A.R.S. § 23-363 ↗
Flagstaff minimum wage
$17.85/hr
Highest in Arizona — Flagstaff Minimum Wage Act, indexed each January 1
City of Flagstaff ↗
Tucson minimum wage
$15.00/hr
Tucson Prop 206 (2022) — matches state floor plus city adjustments
City of Tucson ↗
Tipped minimum cash wage
$11.70/hr (state) · $14.85 Flagstaff
Employer may claim up to $3.00/hr tip credit (A.R.S. § 23-363)
A.R.S. § 23-363 ↗ICA minimum wage ↗
Overtime
1.5× regular rate after 40 hrs/wk
Federal FLSA applies; Arizona has no separate daily overtime rule
U.S. DOL FLSA overtime ↗
Pay-frequency law
At least twice per month, ≤ 16 days apart
A.R.S. § 23-351
A.R.S. § 23-351 ↗
Supplemental / bonus rate
Employee-chosen A-4 % + 22% federal
Arizona has no separate supplemental rate — same 2.5% flat applies at year-end
IRS Pub 15-T ↗Form A-4 ↗
FICA (federal)
6.2% SS to $184,500 + 1.45% Medicare (+0.9% > $200K)
2026 SSA wage base; Additional Medicare 0.9% on wages > $200K Single / $250K MFJ
SSA wage base ↗IRS Pub 15-T ↗

Minimum wage — Phoenix, Tucson, Flagstaff (2025 vs 2026)
City	2025 standard	2026 standard	2026 tipped cash	Source
Phoenix Follows AZ state floor — no city ordinance	$14.35/hr	$14.70/hr	$11.70/hr	ICA ↗
Tucson Prop 206 (2022) — matches state floor for 2026	$14.35/hr	$15.00/hr	$12.00/hr	City of Tucson ↗
Flagstaff Highest in AZ — indexed each Jan 1	$17.40/hr	$17.85/hr	$14.85/hr	City of Flagstaff ↗

Standard = adult non-tipped rate. Tipped cash wage assumes the full $3.00/hr tip credit (A.R.S. § 23-363); the employer must still ensure tips bring the employee to at least the applicable standard rate.

2025 → 2026 changes

Last updated January 15, 2026 · v2026.1

• State flat rate: 2.5% (unchanged since 2023) — A.R.S. § 43-1011 ↗
• State minimum wage: $14.35/hr (2025) → $14.70/hr (2026) — ICA ↗
• Flagstaff minimum wage: $17.40/hr → $17.85/hr — City of Flagstaff ↗
• Social Security wage base: $176,100 → $184,500 — SSA ↗
• Federal standard deduction (Single): $15,750 → $16,100 — IRS ↗

Sources: Arizona Department of Revenue (Form A-4, Pub. 704), A.R.S. §§ 23-351, 23-363, 43-1011, 43-1041; Industrial Commission of Arizona (minimum wage); Flagstaff & Tucson city ordinances; IRS Rev. Proc. 2025-32; SSA 2026 wage base. Try the calculator →

Arizona Form A-4 withholding estimator

Updates live · 2026 rates

Pick an A-4 withholding percentage and see how much Arizona tax comes out of each paycheck versus your projected year-end AZ liability. Because Arizona's state tax is a flat 2.5%, the 2.5% A-4 rate lands closest to zero refund/bill for most single-job filers.

A-4 withholding rate?

New hires who don't file A-4 default to 2.0%. Pick 3.0% or 3.5% for a year-end refund; pick 0.5%–2.0% only if you expect large deductions or credits.Hover any rate for a plain-English explanation.

Have more than one job? Read this first

Each employer runs A-4 on that job's wages only. If two jobs both withhold at 2.5%, each one covers just its own paycheck — but together your combined income may push you into paying more than 2.5% effectively? No. Arizona is flat, so the total is still 2.5% × (total wages − standard deduction). The catch is the standard deduction gets applied twice if you don't adjust — once by each job's estimator — so you can end up under-withheld.

Plain-English fix:

On your highest-paying job, pick 2.5% on Form A-4.
On every other job, pick 3.0% or 3.5% — or add a flat dollar amount on the A-4 "additional amount" line — to cover the gap.
Married filing jointly and your spouse works? Treat their job like a second job: bump one spouse's A-4 rate up, or add extra per check.
Side gig or 1099 income? A-4 can't withhold from that. Either raise your W-2 A-4 rate to 3.0%–3.5% or make quarterly estimated payments to ADOR.

Rerun this estimator with your combined wages in the "Annual wages" field and any spouse/side income in "Other AZ income" to see whether your current mix under- or over-withholds.

Filing statusAnnual wages (this job)Pay frequencyAdditional per-check withholding (A-4 line)Other AZ income (interest, side gigs, spouse wages)Expected AZ credits (dependent, charitable, family)

AZ withheld per paycheck

$72.12

2.5% × wages ÷ 26

Annual AZ withholding

$1,875

Per check × 26 paychecks

Est. 2026 AZ liability

$1,473

2.5% × $58,900 taxable − credits

Projected Arizona refund

+$403

At 2.5% you'd withhold $1,875 — about $403 more than your $1,473 estimated AZ tax. Fine if you like a refund; drop to 2.5% for a bigger paycheck.

Itemized annual reconciliation

Overpayment

A-4 rate selected: 2.5%
Filing status: Single
Pay frequency: Biweekly (26 checks)
Annual wages (this job): $75,000
Other AZ income: $0
− AZ standard deduction (Single): −$16,100
= AZ taxable income: $58,900
× 2.5% flat rate (A.R.S. § 43-1011): $1,473
− Expected AZ credits: −$0
= Est. 2026 AZ tax liability (A): $1,473
2.5% × $75,000 withheld per year: $1,875
= Total AZ withheld (B): $1,875
B − A = overpayment (refund): +$403

Read as: A = what AZ actually taxes you for the year. B = what your paychecks will send to ADOR at the current A-4 rate. Positive = refund. Negative = balance due in April.

Federal tax / yr

$7,670

FICA / yr

$5,738

SS 6.2% + Medicare 1.45%

Take-home / paycheck

$2,296.83

After fed + FICA + AZ A-4

Take-home / year

$59,718

Estimate only — assumes Arizona's flat 2.5% state rate (A.R.S. § 43-1011) and the federal-conformed 2026 standard deduction (A.R.S. § 43-1041). Does not account for itemized deductions, retirement contributions, or federal-only credits. File an updated Form A-4 with your employer any time your withholding preference changes.

What changes with A-4?

Example: $75,000 · Single · Biweekly · 2.5% AZ flat tax

Your Form A-4 election only shifts when Arizona tax is paid — not the total. At $75k the annual AZ liability is a fixed $1,875 (2.5%). Picking a higher A-4 % pulls more from each paycheck now and shrinks your April bill (or creates a refund); a lower % keeps more per paycheck but leaves a balance due.

A-4 rate	AZ withheld / paycheck	AZ withheld / yr	End-of-year balance
0.5%	$14	$375	Owe $1,500
2.0%	$58	$1,500	Owe $375
2.5%	$72	$1,875	Even $0
3.5%	$101	$2,625	Refund $750

Rule of thumb: choose 2.5% to roughly break even. Pick higher (3.0–3.5%) if you want a refund cushion; pick lower (0.5–2.0%) only if you have credits/deductions that reduce your AZ liability below 2.5%.

Arizona city worked examples — $50k, $75k, $100k

Estimated 2026 net pay for a single filer with no pre-tax 401(k)/HSA/health, A-4 elected at 2.5%, federal + FICA + Arizona 2.5% flat tax. State math is identical across every Arizona city — no Arizona city or county imposes a local wage income tax (why?). What differs locally is the minimum wage floor.

Arizona net pay by city at $50,000, $75,000, and $100,000 gross annual salary, 2026 tax year.
City (County)	Min wage 2026	$50k net / yr (biweekly)	$75k net / yr (biweekly)	$100k net / yr (biweekly)
Phoenix Maricopa County	$14.70/hr	$41,105 $1,581	$59,718 $2,297	$76,680 $2,949
Tucson Pima County	$15.00/hr Local floor via Prop 206 (Tucson ordinance)	$41,105 $1,581	$59,718 $2,297	$76,680 $2,949
Mesa Maricopa County	$14.70/hr	$41,105 $1,581	$59,718 $2,297	$76,680 $2,949
Scottsdale Maricopa County	$14.70/hr	$41,105 $1,581	$59,718 $2,297	$76,680 $2,949
Chandler Maricopa County	$14.70/hr	$41,105 $1,581	$59,718 $2,297	$76,680 $2,949
Gilbert Maricopa County	$14.70/hr	$41,105 $1,581	$59,718 $2,297	$76,680 $2,949
Glendale Maricopa County	$14.70/hr	$41,105 $1,581	$59,718 $2,297	$76,680 $2,949
Flagstaff Coconino County	$17.85/hr Highest AZ local minimum wage (Flagstaff ordinance)	$41,105 $1,581	$59,718 $2,297	$76,680 $2,949
Effective AZ rate on gross	2.5% flat (A.R.S. § 43-1011)	17.8% total tax burden	20.4% total tax burden	23.3% total tax burden

Assumptions: 2026 IRS brackets and standard deduction, Social Security 6.2% up to $184,500, Medicare 1.45%, Arizona 2.5% flat state tax on AZ taxable income after the AZ standard deduction ($14,600 single). Change filing status, pre-tax deductions, or A-4 rate in the calculator above for personalized numbers.

Arizona vs neighboring states — 2026 income tax comparison

How Arizona's 2.5% flat state income tax stacks up against California, Nevada, New Mexico, Utah, and Colorado for the 2026 tax year. Rates are for wage income; effective take-home also depends on federal tax, FICA, and any local wage taxes.

2026 state income tax rates for Arizona and neighboring states with top marginal rate at $100,000 income and local wage tax status.
State	Structure	2026 rate	At $100k single	Local wage tax
Arizona (AZ) A.R.S. § 43-1011 — same rate for all filers, no city wage tax	Flat	2.5% flat	2.5%	None
California (CA) R&TC § 17041 — highest top marginal rate in the U.S.	Progressive	1% – 12.3% (9 brackets) + 1% mental-health surcharge >$1M	9.3%	SF payroll expense (employer)
Nevada (NV) Nev. Const. Art. 10 § 1 — no personal income tax	No tax	0% (no state income tax)	0%	None
New Mexico (NM) NMSA § 7-2-7 — top 5.9% bracket starts ~$210k single	Progressive	1.5% – 5.9% (5 brackets)	4.9%	None
Utah (UT) Utah Code § 59-10-104 — 2024 rate cut from 4.65%	Flat	4.55% flat	4.55%	None
Colorado (CO) Colo. Rev. Stat. § 39-22-104 — TABOR refunds can lower effective rate	Flat	4.4% flat	4.4%	Denver/Aurora OPT ($5.75/mo)

Lowest income tax

Nevada (0%) beats every neighbor. Arizona (2.5%) is the lowest among states that do tax income in the region.

Biggest gap

At $100k single, Arizona (2.5%) is about 6.8 percentage points below California's 9.3% marginal — roughly $6,800/yr difference in state tax alone.

Reciprocity note

Arizona has limited wage reciprocity with California, Indiana, Oregon, and Virginia. Non-residents working in AZ from those states may file only in their home state.

Sources: A.R.S. § 43-1011 (AZ), Cal. R&TC § 17041 (CA), Nev. Const. Art. 10 § 1 (NV), NMSA § 7-2-7 (NM), Utah Code § 59-10-104 (UT), Colo. Rev. Stat. § 39-22-104 (CO). Rates reflect 2026 tax year as published by each state's department of revenue.

Arizona bonus & overtime withholding — 2026

How supplemental wages (bonuses, commissions, RSUs, retro pay, severance) and overtime hours are taxed on an Arizona paycheck, using the IRS flat supplemental method plus Arizona's 2.5% flat state tax.

Bonuses & supplemental wages

Employers using the IRS optional flat method withhold 22% federal on supplemental wages under $1M/year, and 37% on cumulative supplemental wages above $1M in a calendar year (IRS Pub 15, Section 7). Arizona withholds at your Form A-4 rate — most employees at 2.5% match the year-end liability exactly.

Bonus / supplemental amount

Arizona A-4 rate

Federal supplemental (22%)	−$1,100.00
Social Security (6.2%)	−$310.00
Medicare (1.45%)	−$72.50
Arizona A-4 (2.5%)	−$125.00
Net bonus in your paycheck	$3,392.50
Effective withholding rate	32.1%

Withholding ≠ liability. Your actual 2026 tax on this bonus is 2.5% Arizona plus your federal marginal bracket (10%–37%) — any over/under-withholding reconciles on Form 140 and Form 1040.

Aggregate method (alternative)

If your employer combines the bonus into a regular paycheck (aggregate method), federal withholding follows IRS Pub 15-T percentage tables — often 24%–35% marginal, higher than 22% flat. Arizona still applies the 2.5% flat rate either way. Ask HR which method they use if a bonus looks over-withheld.

Overtime rules in Arizona

Arizona does not have a state overtime statute for private-sector employees — the federal Fair Labor Standards Act controls: 1.5× the regular rate for hours over 40 in a workweek for non-exempt employees. There is no daily overtime and no double-time in Arizona private sector (unlike California).

For state and county public-safety employees, Arizona sets a separate overtime standard under A.R.S. § 23-392: law-enforcement and firefighting personnel earn overtime after either 171 hours in 28 days (law enforcement) or 212 hours in 28 days (fire protection), aligning with the FLSA § 7(k) public-safety exemption.

Worker type	OT threshold	OT rate	Authority
Private-sector non-exempt	> 40 hrs / workweek	1.5× regular rate	FLSA 29 U.S.C. § 207(a)
Law enforcement (public)	> 171 hrs / 28-day cycle	1.5× regular rate	A.R.S. § 23-392 · FLSA § 7(k)
Fire protection (public)	> 212 hrs / 28-day cycle	1.5× regular rate	A.R.S. § 23-392 · FLSA § 7(k)
Exempt (executive, admin, professional)	Not entitled to OT	—	FLSA § 13(a)(1) · 29 CFR § 541

Overtime pay is taxed as regular wages, not supplemental — federal withholding follows IRS Pub 15-T percentage tables for the enlarged paycheck, plus 6.2% Social Security (until $184,500 wage base), 1.45% Medicare, and Arizona 2.5% flat. Note: the 2025 federal law creating an above-the-line deduction for qualifying overtime premium pay (up to $12,500 single / $25,000 MFJ, phased out at higher incomes) affects Form 1040 — employers still withhold normally on the full overtime paycheck.

Sources: IRS Pub 15 § 7 (supplemental wages), IRS Pub 15, A.R.S. § 23-392, U.S. DOL — FLSA overtime.

Arizona 1099 & self-employed paycheck — 2026

Freelancers, gig workers, and single-member LLCs in Arizona don't have an employer withholding taxes each pay period. You owe federal self-employment tax, federal income tax, and Arizona 2.5% flat — paid yourself via quarterly estimated payments.

Federal SE tax

15.3%

12.4% Social Security (up to $184,500 in 2026) + 2.9% Medicare · 0.9% Additional Medicare above $200k single / $250k MFJ · applied to 92.35% of net SE income (Schedule SE).

Arizona income tax

2.5%

Flat rate under A.R.S. § 43-1011 on Arizona taxable income (federal AGI minus AZ standard deduction and adjustments). Same rate for wages and 1099 income.

AZ payroll add-ons

No state PFML, no SDI, no long-term-care premium. Arizona has never enacted a state paid family/medical leave program or a WA-Cares-style long-term care tax — nothing to opt in or out of for self-employed workers.

Estimate your quarterly payments

Enter your expected annual net self-employment income (revenue minus deductible business expenses) to see a rough breakdown.

Net self-employment income (after business expenses)

Filing status

Federal SE tax (15.3%)

$10,597 / yr

SS 12.4% up to $184,500: $8,589 · Medicare 2.9%: $2,009

Above-the-line deduction: $5,299 (½ SE tax) — reduces federal AGI & AZ base.

Arizona income tax (2.5%)

$1,378 / yr

Single filer, AZ standard deduction $14,600, no other credits. MFJ replaces with $29,200 std ded.

Schedule SE breakdown — 15.3% self-employment tax^[1]

Applied to 92.35% of net SE income^[2] · 2026 wage base $184,500^[3]

Net SE income (Schedule C line 31)	$75,000	× 92.35%
Taxable SE base (Schedule SE line 4)	$69,263	= base
Social Security portion · 12.4%(capped at $184,500)^[3]	$8,589	below cap
Medicare portion · 2.9% (no cap)^[1]	$2,009	uncapped
Total SE tax · 15.3%^[4]	$10,597	SS + Medicare
½ SE tax deduction (Schedule 1 line 15)^[2]	−$5,299	above-the-line

Additional Medicare tax of 0.9% applies to wages + SE earnings above $200,000 (single) / $250,000 (MFJ) — reconciled on Form 8959^[5], not Schedule SE. The Social Security portion stops once combined W-2 wages + SE base reach the $184,500 cap for 2026^[3]; Medicare has no wage cap.

Suggested quarterly estimated payments^[6]^[7]

Federal 1040-ES^[6] (income tax + SE tax): roughly $2,649 for SE tax alone per quarter (add your federal income tax on top).
Arizona Form 140ES^[7]: about $344 per quarter.

Safe harbor: 90% of current-year tax or 100% (110% if AGI > $150k) of last year's tax — IRC § 6654^[8] / Form 2210^[9]. Arizona mirrors on A.R.S. § 43-582^[10] / Form 221^[11].

Rough estimate for planning only — actual liability depends on federal bracket, QBI § 199A deduction, retirement contributions (Solo 401(k)/SEP-IRA), and self-employed health premium deduction. See a CPA for filings above $150k or with multi-state income.

2026 quarterly estimated-payment schedule

Live per-quarter amounts update from the estimator above (net SE: $75,000, Single).

Payment method

Federal (Form 1040-ES) and Arizona (Form 140ES) share the same four due dates. Missing them can trigger an underpayment penalty under IRC § 6654 and A.R.S. § 43-582.

Quarter	Income period	Due date	Federal SE (1040-ES)	AZ 140ES	Combined
Q1 2026	Jan 1 – Mar 31, 2026	April 15, 2026	$2,649	$344	$2,994
Q2 2026	Apr 1 – May 31, 2026	June 15, 2026	$2,649	$344	$2,994
Q3 2026	Jun 1 – Aug 31, 2026	September 15, 2026	$2,649	$344	$2,994
Q4 2026	Sep 1 – Dec 31, 2026	January 15, 2027	$2,649	$344	$2,994
Annual total			$10,597	$1,378	$11,975

Safe harbor: pay at least 100% of last year's total tax (110% if AGI > $150k) or 90% of current-year tax to avoid the federal underpayment penalty. Arizona uses the same 90%/100% safe-harbor rules on Form 221.

Federal column shows SE tax only (Social Security + Medicare). Add your federal income tax (10–37% bracket minus QBI § 199A and other credits) to each 1040-ES voucher.

Key deductions for AZ self-employed

Half of SE tax (above-the-line) — reduces federal AGI and AZ taxable income.
QBI § 199A deduction — up to 20% of qualified business income (Arizona conforms).
Self-employed health insurance premiums (above-the-line).
Solo 401(k) / SEP-IRA / SIMPLE-IRA contributions.
Home office, mileage (67¢/mi in 2026 IRS rate), and § 179 equipment expensing.

What Arizona 1099s don't owe

No Arizona state disability insurance (SDI).
No Arizona paid family & medical leave premium (no PFML program).
No long-term-care payroll tax (unlike Washington's WA Cares).
No city or county income tax anywhere in Arizona.
No employer-side unemployment tax on 1099 income (you're not an employee).

Sources: IRS — Self-employment tax, Schedule SE (Form 1040), Form 1040-ES, AZ Form 140ES, A.R.S. § 43-1011, IRS — QBI § 199A, ADOR withholding tax.

Arizona Form A-4 FAQ

How A-4 works, what rate to pick as a new hire, when to update it, and how your election lines up with the actual 2.5% Arizona tax liability.

Arizona Form A-4 is the state's Employee's Arizona Withholding Election. You pick one flat percentage — 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, or 3.5% — that your employer applies to every dollar of Arizona taxable wages. The amount withheld is remitted to the Arizona Department of Revenue and credited toward your final AZ tax bill when you file Form 140. See the official form: https://azdor.gov/forms/withholding-forms/arizona-a-4-employees-arizona-withholding-election.

Arizona 1099 & self-employed FAQ

Quarterly deadlines, safe-harbor rules, QBI § 199A, and how Solo 401(k) / SEP-IRA contributions affect federal SE tax vs Arizona's 2.5% flat.

Arizona Form 140ES follows the same four IRS 1040-ES deadlines: April 15, 2026 (Q1), June 15, 2026 (Q2), September 15, 2026 (Q3), and January 15, 2027 (Q4). If a due date falls on a weekend or federal holiday, the deadline shifts to the next business day. Missing a quarter can trigger a federal underpayment penalty under IRC § 6654 and an Arizona penalty computed on Form 221.

Plan your Arizona budget for unexpected home repairs

Your Arizona take-home pay is the foundation of your household budget, and a sudden water-damage emergency can throw that budget off quickly. Monsoon storms, burst pipes, and hidden leaks can lead to flooding, mold, and structural damage that requires immediate professional cleanup. When that happens, working with a trusted Arizona water damage restoration service can help you limit the damage, protect your home, and keep out-of-pocket costs under control.

Enter gross pay, not net — here's the difference

Gross pay is your salary or hourly rate before any tax or deduction — the top-line number on your offer letter. Net pay (take-home) is what actually lands in your bank account after federal tax, Arizona state tax, FICA, and pre-tax deductions come out. Type the gross figure into the calculator; it does the rest.

Gross salary

$35,000

Net / year

$29,428

Federal tax: −$2,020
AZ state tax: −$875
Net / biweekly: $1,132

Gross salary

$50,000

Net / year

$41,105

Federal tax: −$3,820
AZ state tax: −$1,250
Net / biweekly: $1,581

Gross salary

$75,000

Net / year

$59,718

Federal tax: −$7,670
AZ state tax: −$1,875
Net / biweekly: $2,297

Gross salary

$100,000

Net / year

$76,680

Federal tax: −$13,170
AZ state tax: −$2,500
Net / biweekly: $2,949

Gross salary

$150,000

Net / year

$110,041

Federal tax: −$24,734
AZ state tax: −$3,750
Net / biweekly: $4,232

Gross vs. net Arizona salary examples for 2026 (single filer, no pre-tax deductions).
Gross salary (enter this)	Federal tax	AZ state tax	Net (annual)	Net per biweekly check
$35,000	−$2,020	−$875	$29,428	$1,132
$50,000	−$3,820	−$1,250	$41,105	$1,581
$75,000	−$7,670	−$1,875	$59,718	$2,297
$100,000	−$13,170	−$2,500	$76,680	$2,949
$150,000	−$24,734	−$3,750	$110,041	$4,232

2026 rates, single filer, no pre-tax 401(k)/HSA/health. Net also reflects Social Security 6.2% (up to $184,500), Medicare 1.45%, and Arizona state withholding at Flat 2.5% income tax.

• Salaried? Enter your annual gross ($75,000 in the example above) and pick Annual.
• Hourly? Enter your hourly rate (e.g. $25/hr) and hours per week — the calculator annualizes for you.
• Paid biweekly? Enter your biweekly gross (e.g. $2,885) and pick Biweekly. Do not enter your take-home from your last stub.
• Add pre-tax deductions (401(k) %, HSA, health premiums) in the deduction fields — the calculator subtracts them before federal and Arizona state tax.

Arizona Tax Information 2026

State Income Tax	Flat 2.50%
Federal Brackets	10% / 12% / 22% / 24% / 32% / 35% / 37%
Social Security	6.2% up to $184,500
Medicare	1.45% (+0.9% above $200,000)
Standard Deduction (single)	$15,000

Flat 2.5% income tax.

Common Arizona Salaries — Take-Home Estimates

Single filer, no pre-tax deductions, 2026 rates.

Annual	Federal	AZ State	Net Biweekly	Net Annual
$35,000	$2,020	$875	$1,132	$29,428
$50,000	$3,820	$1,250	$1,581	$41,105
$75,000	$7,670	$1,875	$2,297	$59,718
$100,000	$13,170	$2,500	$2,949	$76,680
$150,000	$24,734	$3,750	$4,232	$110,041

Keep this state at the top of your quick nav.

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Bordering Arizona — compare take-home pay across state lines.

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How we calculate your Arizona paycheck

Enter gross pay — your salary or hourly wage before any taxes or deductions come out. The calculator does the pre-tax math for you; do not subtract your 401(k), HSA, or health premiums first. The 2026 engine then runs the same six-step pipeline for every Arizona paycheck:

1. Annualize gross wages. Weekly × 52, biweekly × 26, semimonthly × 24, or monthly × 12 — so all withholding tables see the same annual figure.
2. Subtract pre-tax deductions. Traditional 401(k)/403(b), HSA, FSA, and Section 125 health/dental/vision premiums are removed from federal and Arizona state taxable income. Roth 401(k) and after-tax deductions are not subtracted here.
3. Apply 2026 federal income tax. IRS brackets 10%–37%, standard deduction, and your W-4 filing status and dependents.
4. Withhold FICA. Social Security 6.2% up to the 2026 wage base of $184,500, plus Medicare 1.45% on all wages and an additional 0.9% Medicare on wages above $200,000. FICA applies to 401(k) contributions but not to Section 125 or HSA.
5. Apply Arizona state and local tax. Flat 2.5% income tax. These rates apply to your post-pre-tax-deduction wages using your state withholding certificate. No broad city or county income tax applies to Arizona wages in 2026 — the state line above is the only jurisdictional tax withheld.
6. Subtract post-tax items. Roth contributions, garnishments, and voluntary post-tax benefits reduce net pay but do not lower taxable income. The remainder is your take-home, which the calculator divides back by pay frequency for per-check net.

Results are estimates for 2026 W-2 wages and are not a substitute for Form W-4, your Arizona withholding certificate, or advice from a licensed tax professional.

Keep exploring Arizona paycheck math with related calculators from US State Paycheck Calculator:

Arizona paycheck FAQs

Arizona uses a single 2.5% flat state income tax on all taxable wages, salaries, tips, bonuses, and overtime in 2026 — set by A.R.S. § 43-1011 after the 2023 rate reform. There is no bracket structure and no surcharge: a $40,000 earner and a $400,000 earner face the same 2.5% marginal rate on Arizona taxable income. No Arizona city or county — Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, Tempe, Peoria, or Flagstaff — imposes a local wage income tax on top.

Arizona salary paycheck calculator

How much do I take home in Arizona on a $50k, $75k, or $100k salary?

How Form A-4 affects your Arizona withholding

Step 1 — Your Pay

Step 2 — Your State

Your Estimated Take-Home Pay

Good salary benchmark — Arizona

Paycheck Estimate — 2026

Inputs

Results

Take-home — Arizona

Assumptions & Notes

What this calculation covers

What's not modeled

Where every dollar goes

Arizona payroll taxes at a glance (2026)

2025 → 2026 changes

Arizona Form A-4 withholding estimator

Itemized annual reconciliation

What changes with A-4?

Bonuses & supplemental wages

Aggregate method (alternative)

Overtime rules in Arizona

Estimate your quarterly payments

2026 quarterly estimated-payment schedule

Key deductions for AZ self-employed

What Arizona 1099s don't owe

Arizona Form A-4 FAQ

Arizona 1099 & self-employed FAQ

Plan your Arizona budget for unexpected home repairs

Arizona Tax Information 2026

Common Arizona Salaries — Take-Home Estimates

Nearby states

Recently viewed

Popular states

How we calculate your Arizona paycheck

More Arizona pay & salary tools

Arizona paycheck FAQs