This free Arizona paycheck calculator shows your 2026 take-home pay from a salary or hourly wage. Arizona taxes wages at a flat 2.5%. That is the lowest flat rate of any state that taxes income. So the state line on your pay stub is small. The federal deductions do the heavy lifting.
The calculator uses the 2026 federal brackets and the $184,500 Social Security wage base. It also uses the 2026 Arizona standard deduction, which copies the federal one. That is $16,100 single, $32,200 married filing jointly and $24,150 head of household. Money you put in a 401(k) skips federal and Arizona income tax but still pays FICA. HSA money taken from your paycheck skips all three.
How Arizona taxes your paycheck in 2026
Arizona moved to a flat 2.5% income tax in 2023. Before that the state used four tax brackets. In 2026 it is still the lowest flat rate in the country among states that tax wages. Every dollar of Arizona taxable income pays the same 2.5%.
The deduction underneath the rate makes it even friendlier. Arizona sets its standard deduction to match the federal amounts. For 2026 that is $16,100 for single filers, $32,200 for joint filers and $24,150 for head of household. HB 4168, signed in June 2026, locked those numbers in. A single filer earning $60,000 pays Arizona tax on only about $43,900 of it. That works out to roughly 1.8% of gross pay.
No city or county in Arizona charges an income tax. Phoenix, Tucson, Mesa and Scottsdale paychecks all carry the same deductions.
What Arizona take-home pay looks like in 2026
Say you file single, earn $60,000, and put nothing away before tax. You take home about $49,293 a year in 2026. That is roughly $1,896 in each biweekly paycheck, a total tax rate of about 17.8%. At $100,000 the same filer keeps around $77,083, or $2,965 every two weeks. That is a rate near 22.9%.
Those numbers sit close to the states with no income tax. At $60,000 the gap between an Arizona paycheck and a Texas or Florida paycheck is only about $1,100 a year. The state layer here is thin. Federal tax and FICA drive almost the whole result.
Withholding is the tax your employer takes out of each paycheck. Arizona sets it with Form A-4, where you pick a flat percentage instead of allowances. Some workers are still on a high rate left over from the old bracket years. If that is you, the state is holding your money for free. A two-minute fix with HR sorts it out.
Stretching an Arizona paycheck further
Saving before tax still helps, even with a low state rate. Money you put in a traditional 401(k) skips federal income tax and the 2.5% Arizona tax. It still pays FICA. An HSA taken from your paycheck skips federal tax, Arizona tax and the 7.65% FICA. Arizona follows the federal HSA rules, so there is no state catch like the one California and New Jersey have.
The Arizona standard deduction matches the federal one. So the state shelters the same first slice of income the IRS does. Low earners gain the biggest benefit from this. A part-time worker earning $15,000 owes Arizona nothing at all. The standard deduction covers the whole wage.
Type your own 401(k) and HSA amounts into the calculator above. It will show the combined effect on your paycheck.
Arizona paycheck FAQ
- What is the Arizona income tax rate in 2026?
- Arizona charges a flat 2.5% on taxable income. That is the lowest flat rate of any state with an income tax. Arizona has used this single rate since 2023, when it replaced four tax brackets. On top of it sits a standard deduction that matches the federal one, so your first dollars are not taxed.
- How much is $60,000 after taxes in Arizona?
- A single filer on $60,000 with nothing saved before tax takes home about $49,293 a year in 2026. That is roughly $1,896 in each biweekly paycheck. The total tax rate is about 17.8%. Only around two points of that is Arizona. Federal tax and FICA make up the rest of the bill.
- How much is $100,000 after taxes in Arizona?
- A single filer on $100,000 with nothing saved before tax keeps roughly $77,083 in 2026. That is about $2,965 in each biweekly paycheck. The total tax rate lands near 22.9%. Arizona itself takes only a flat 2.5% of taxable income, so federal tax and FICA account for the bulk of it.
- Does Arizona have a standard deduction?
- Yes, and it matches the federal one. For 2026 it is $16,100 single, $32,200 married filing jointly and $24,150 head of household. HB 4168, signed in June 2026, confirmed those amounts. Income below your deduction owes no Arizona tax at all. A part-time worker on $15,000 pays the state nothing.
- Do Phoenix or Tucson add a city income tax?
- No Arizona city charges a wage or income tax. Phoenix, Tucson, Mesa and Scottsdale paychecks all carry the same deductions. State tax plus federal tax and FICA is the whole picture on an Arizona pay stub. The state slice is a flat 2.5% of your taxable income, wherever in Arizona you work.
- Why is my paycheck smaller than this calculator says?
- This calculator shows taxes only. Your real check also pays for health, dental and vision insurance. Retirement savings and union dues come out too. Arizona uses Form A-4 to set the tax your employer takes out. You pick a flat percentage there, and an old high pick costs you.
- Is overtime taxed at a higher rate in Arizona?
- No. Overtime pay is just added to your other wages. Arizona taxes it at the same flat 2.5%. Federal tax works the same way. Your check may still look odd if the overtime lands in one big week. Your employer can hold back more that week, and you get it back later.
Sources
- Arizona Department of Revenue
- Arizona HB 4168 (2026 standard deduction conformity)
- Tax Foundation — State Income Tax Rates, 2026
All sources accessed and figures verified August 2026.