Arizona Paycheck Calculator

How the Arizona paycheck calculator works

Arizona taxes wages at a flat 2.5% state income tax rate after the state standard deduction. Your take-home pay also reflects federal income tax and FICA payroll taxes. This calculator estimates net pay per paycheck using 2026 federal and Arizona tax rules. All math runs in your browser.

Enter your annual salary, pay frequency, filing status, dependents, and pre-tax deductions. Results update instantly with gross pay, federal tax, FICA, Arizona state tax, and net pay each period. For a detailed federal bracket breakdown, use the income tax calculator. To review Social Security and Medicare components separately, try the FICA tax calculator.

What gets withheld from an Arizona paycheck

Arizona employees typically see four withholding categories on each paycheck:

• Federal income tax: Progressive brackets on taxable income after the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household).
• FICA: 6.2% Social Security up to $184,500 in wages, plus 1.45% Medicare on all earnings, with an additional 0.9% Medicare surtax on high incomes.
• Arizona state income tax: A flat 2.5% on Arizona taxable income after the Arizona standard deduction.
• Pre-tax deductions: Traditional 401(k), HSA, and health premiums reduce both federal and Arizona taxable income.

Arizona flat tax formula

Arizona switched to a flat income tax structure. State tax is a simple percentage of taxable wages:

For 2026, Arizona standard deductions align with federal amounts: $16,100 (single), $32,200 (married filing jointly), and $24,150 (head of household). Because the rate is flat, your Arizona marginal rate is always 2.5% on the last dollar of Arizona taxable income.

The biweekly pay calculator converts annual salary into 26 paychecks, and the salary calculator helps compare hourly and salaried offers.

Worked example: $65,000 salary, single, bi-weekly

Consider a single Arizona resident earning $65,000 per year, paid bi-weekly (26 paychecks), with 5% contributed to a traditional 401(k) and no dependents:

1. Gross per paycheck: $65,000 / 26 = $2,500.00.
2. 401(k) contribution: 5% of $65,000 = $3,250.00 annually ($125.00 per paycheck).
3. Federal taxable income: $61,750 after 401(k) minus $16,100 standard deduction = $45,650. Federal income tax: $5,230.00.
4. FICA: Social Security $4,030.00 plus Medicare $942.50 = $4,972.50 total.
5. Arizona taxable income: $61,750 minus $16,100 Arizona standard deduction = $45,650. Arizona state tax: $45,650 x 2.5% = $1,141.25.
6. Net bi-weekly paycheck: $1,938.70 ($50,406.25 per year). Effective tax rate: about 17.5%.

Arizona's flat 2.5% rate keeps state withholding predictable compared to progressive states. For year-end bonus withholding, use the bonus calculator. To reverse-engineer the gross pay needed for a target net paycheck, try the gross pay calculator.

Frequently asked questions