Arizona Paycheck Calculator 2026
Pick your Form A-4 percentage to see what lands in your bank account. Arizona's 2026 income tax rate is a flat 2.5%, but your paycheck withholding is the percentage you choose - we show the exact math.
How much does Arizona take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), Arizona takes $46.15 of each $2,307.69 paycheck - 2% of pay. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $415.77 comes out in all - 18% - and you keep $1,891.92.
= $945.96 a week · $4,099.18 a month · $49,190.10 a year
Gross pay$2,307.69$60,000.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$193.08−$5,020.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| Pay subject to income tax, for the year · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
IRS Publication 15-T (2026), Worksheet 1A - the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
Adjusted yearly wage: $51,400.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$33.46−$870.00
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
Arizona income tax · withheld−$46.15−$1,199.90
2.5% tax; withholding is the % you pick on Form A-4. Worked out with Arizona's official 2026 withholding method, step by step:
| Gross taxable wages this paycheck · federal W-2 box 1 wages: after pre-tax 401(k) and benefits | $2,307.69 |
| × your A-4 percentage (2.0%) · 2.0% is also what applies with no A-4 | $46.15 |
| Arizona income tax withheld this paycheck | $46.15 |
Source: Arizona Department of Revenue - Form A-4, Employee's Arizona Withholding Election (2026) · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
What comes out of an Arizona paycheck
- Federal income tax withholding - worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security - 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare - 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
Arizona has a flat 2.5% income tax. Withholding works differently from most places: there are no brackets, allowances or deductions on the form. Instead, you pick a percentage on Form A-4, and your employer takes that share of each paycheck:
- Start with your gross taxable wages - the pay that ends up in box 1 of your federal W-2. A traditional 401(k) and pre-tax health insurance come off first.
- Multiply by the percentage you chose: 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, 3.5%.
- Add any extra dollar amount you asked for on the A-4. The total is your Arizona withholding.
If you never gave your employer an A-4, it must withhold 2.0%. New employees are asked to fill one in within 5 days of starting. Unemployment insurance is paid by employers - on the first $8,000 of each worker's wages - and state law bars them from taking it out of your pay.
What's different about Arizona
You choose your withholding rate
Your employer doesn't work out your Arizona tax - you choose how much is set aside. Because the percentage applies to all of your taxable wages with nothing taken off first, the amount withheld can be more or less than the 2.5% tax you actually owe once your return subtracts deductions. A low choice can leave you owing tax, and possibly a penalty, when you file. A high choice gives you a bigger refund. The Department of Revenue's withholding calculations page walks through picking a rate.
The extra amount box
If none of the set percentages lands where you want, the A-4 lets you add a fixed dollar amount to every paycheck. Enter it in the "extra amount" box above and it is added after the percentage.
Choosing 0%
Not sure which percentage to pick? What percentage should I withhold for Arizona taxes? works it out by salary.
The A-4 also has a 0% choice, but only if you certify that you expect to owe no Arizona income tax for the year.
Paydays and your last paycheck
Employers must set at least two paydays a month, no more than 16 days apart, and pay within 5 business days after each pay period ends. If you're fired, your final pay is due within 7 working days or by the end of the next regular pay period, whichever comes first. If you quit, it's due by the regular payday for that pay period.
Unpaid wages
You can file a wage claim with the Industrial Commission of Arizona's Labor Department for up to $12,000, within one year of when the wages were owed.
Arizona salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in Arizona?
About $29,603 a year - $1,138.56 every two weeks, or about $2,467 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $700 in Arizona taxes; you keep 85%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in Arizona?
About $37,437 a year - $1,439.89 every two weeks, or about $3,120 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $900 in Arizona taxes; you keep 83%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in Arizona?
About $45,272 a year - $1,741.25 every two weeks, or about $3,773 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $1,100 in Arizona taxes; you keep 82%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in Arizona?
About $49,190 a year - $1,891.92 every two weeks, or about $4,099 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $1,200 in Arizona taxes; you keep 82%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in Arizona?
About $53,108 a year - $2,042.60 every two weeks, or about $4,426 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $1,300 in Arizona taxes; you keep 82%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in Arizona?
About $60,093 a year - $2,311.25 every two weeks, or about $5,008 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $1,500 in Arizona taxes; you keep 80%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in Arizona?
About $63,510 a year - $2,442.68 every two weeks, or about $5,292 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $1,600 in Arizona taxes; you keep 79%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in Arizona?
About $70,345 a year - $2,705.58 every two weeks, or about $5,862 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $1,800 in Arizona taxes; you keep 78%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in Arizona?
About $77,180 a year - $2,968.46 every two weeks, or about $6,432 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $2,000 in Arizona taxes; you keep 77%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in Arizona?
About $90,850 a year - $3,494.23 every two weeks, or about $7,571 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $2,400 in Arizona taxes; you keep 76%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in Arizona?
About $110,791 a year - $4,261.20 every two weeks, or about $9,233 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $3,000 in Arizona taxes; you keep 74%. Try $150,000 with your own W-4 and deductions.
Arizona vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| Nevada | $0 | $50,390 | +$1,200 |
| Arizona | $1,200 | $49,190 | - |
| New Mexico | $2,042 | $48,348 | −$842 |
| California | $2,585 | $47,805 | −$1,385 |
| Colorado | $2,662 | $47,728 | −$1,462 |
| Utah | $2,678 | $47,712 | −$1,478 |
Local income taxes (city, county or school district) aren't included for Colorado - enter your rate on the state's calculator.
Where you live and where you work can both matter when the two states differ - check each state's page.
What changed for 2026
Arizona's income tax rate is unchanged for 2026; the minimum wage went up.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- Income tax rate: still 2.5%, a flat rate. A-4 choices run from 0.5% to 3.5%, with 2.0% if no A-4 is on file.
- Minimum wage: $15.15 (up from $14.70); tipped at least $12.15.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
More for Arizona
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes · A-4 percentage guide
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How Arizona ranks on $75,000 · Pay stub checker · W-4 guide
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods - Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide - Social Security and Medicare rates
- Social Security Administration - 2026 wage base of $184,500
- IRS - tips and overtime deductions
- Arizona Department of Revenue - Form A-4, Employee's Arizona Withholding Election (2026) - 0.5%–3.5% choices; extra amount; 0% election; 2.0% if no A-4; gross taxable wages = W-2 box 1
- Arizona Department of Revenue - Individual income tax highlights - 2.5% for all income levels; 2025 standard deduction $15,750 single or married filing separately, $23,625 head of household, $31,500 married filing jointly; no 2026 amounts yet (checked Sep 28, 2026)
- Arizona Department of Revenue - Individual Income Update, February 2026 - 2025 standard deduction amounts; may be subject to change pending legislative approval
- Arizona Department of Revenue - Withholding tax (employers) - withholding is a percentage of gross taxable wages (federal definition, IRC § 3401), so bonuses are withheld at the A-4 percentage; 0.5%–3.5% choices
- Arizona Department of Revenue - Employer's Instructions for Form A-4 (2026) - default 2.0%; new employees complete A-4 within 5 days; gross taxable wages follow the federal definition
- Arizona Department of Revenue - Withholding Calculations - 2.5% tax rate for 2023 and beyond; worked example $2,000 × 2.5% = $50.00 + $4.55 extra
- Arizona Department of Economic Security - Who pays unemployment taxes? - employers pay; first $8,000 of each employee's wages
- A.R.S. § 23-735 - No deduction from wages to finance employer contributions
- Industrial Commission of Arizona - New 2026 Minimum Wage - $14.70 → $15.15 on January 1, 2026
- A.R.S. § 23-363 - Minimum wage; tipped employees - up to $3.00 less for tipped employees; yearly cost-of-living increase
- City of Tucson - Tucson Minimum Wage Act - $15.45 for 2026; tip credit up to $3.00
- City of Flagstaff - Minimum Wage - $18.35 from January 1, 2026; full minimum wage regardless of tips
- U.S. Department of Labor - Overtime pay - time-and-a-half over 40 hours in a workweek (FLSA)
- A.R.S. § 23-351 - Paydays - two or more paydays a month, no more than 16 days apart
- A.R.S. § 23-353 - Final pay
- A.R.S. § 23-356 - Wage claims - up to $12,000, within one year
- Industrial Commission of Arizona - Labor Department (wage claims)
Questions
How much does Arizona take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), Arizona takes $46.15 of each $2,307.69 paycheck - 2% of pay. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $415.77 comes out in all - 18% - and you keep $1,891.92.
What is the Arizona income tax rate in 2026?
2.5%, a flat rate. What comes out of your paycheck is set by the percentage you choose on Form A-4, not by that rate.
How much is taken out of a $1,000 paycheck in Arizona?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $20.00 of Arizona income tax, leaving $865.42. Enter your own details in the calculator for your exact figure.
What happens if I didn't fill out an A-4?
Your employer must withhold 2.0% of your gross taxable wages.
Which A-4 percentage matches my tax?
It depends on your whole year's income and deductions. Your return applies the 2.5% rate after deductions, while withholding applies your percentage to all taxable wages. The Department of Revenue's withholding calculations page shows how to work out a target.
When do I get my last paycheck in Arizona?
If you're fired, within 7 working days or by the end of the next regular pay period, whichever is sooner. If you quit, by the regular payday for that pay period.