ExactTakeHome is a free paycheck calculator that computes exact US take-home pay after federal income tax, Social Security, Medicare, and Arizona state withholding for 2026.
Arizona Paycheck Calculator 2026
Use this Arizona paycheck calculator to estimate take-home pay after federal income tax, Social Security, Medicare (FICA), and Arizona state withholding for 2026.
Arizona uses an employee-elected rate for state withholding. The applicable rate depends on the employee's state withholding election. Use the calculator below for your exact take-home.
Arizona Tax Quick Facts 2026
| Tax | Rate / detail |
|---|---|
| State income tax | 0.5% to 3.5% |
| Tax structure | Flat |
| FICA (employee) | 7.65% |
| Standard deduction (federal) | $15,000 (single) · $30,000 (married) |
| $75k salary — est. net annual | $60,093 |
Federal W-4 adjustments
How we calculated this
Enter a salary above to see your take-home pay.
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Arizona Paycheck Calculator 2026
Use this Arizona paycheck calculator to estimate take-home pay after federal income tax, Social Security, Medicare (FICA), and Arizona state withholding for 2026.
How Arizona Paycheck Taxes Work
Arizona paycheck withholding has a special feature: employees generally elect a state withholding percentage on Arizona Form A-4. Instead of using a traditional multi-bracket withholding table like many states, Arizona allows employees to choose from published withholding percentage options that apply to gross taxable wages. Your final Arizona income tax liability is separate from the withholding choice, so selecting too low a withholding percentage can lead to tax due at filing time, while selecting too high a percentage can reduce take-home pay during the year.
For most Arizona employees, a paycheck includes federal income tax withholding, FICA taxes, Arizona state withholding, and any voluntary benefit deductions. Arizona’s individual income tax has been simplified in recent years and uses a flat-rate structure for state income tax, but payroll withholding remains election-driven. This makes accurate paycheck estimates depend heavily on the employee’s selected Arizona withholding rate, pay frequency, taxable wages, and pre-tax deductions such as 401(k), health insurance, or HSA contributions.
- State income tax structure: Flat individual income tax
- Arizona withholding: Employee-elected percentage of gross taxable wages
- Published A-4 withholding options include: 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, and 3.5%
- Federal withholding and FICA: Still apply
- Local income tax: Generally no city wage income tax
This information is for general reference. Consult a tax professional for advice specific to your situation.
Official source: Arizona Department of Revenue — Withholding Calculations
What's included in your Arizona paycheck calculation
- Federal income tax — withheld using IRS Pub 15-T 2026 percentage-method tables based on your salary, filing status, and W-4
- Social Security — 6.2% on wages up to the annual wage base
- Medicare — 1.45% on all wages; additional 0.9% above the high-income threshold
- Arizona state income tax — estimated using the calculator's documented 2026 support scope (see notice above)
- Pre-tax deductions — 401(k), HSA, FSA contributions reduce federal and state taxable income
- Local taxes — supported jurisdictions available in the city dropdown
Source-backed 2026 data — How it's calculated →
Arizona Tax Quick Facts (2026)
- State income tax
- 0.5% to 3.5%
- Tax type
- Flat
- FICA (employee share)
- 7.65%
- Support level
- Limited — details
- Local taxes modeled
- None
Take-home pay examples for Arizona
| Annual salary | Federal tax | State tax | FICA | Net annual pay | Net monthly |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $800 | $3,060 | $33,520 | $2,793 |
| $50,000 | $3,820 | $1,000 | $3,825 | $41,355 | $3,446 |
| $60,000 | $5,020 | $1,200 | $4,590 | $49,190 | $4,099 |
| $75,000 | $7,670 | $1,500 | $5,738 | $60,093 | $5,008 |
| $85,000 | $9,870 | $1,700 | $6,503 | $66,928 | $5,577 |
| $100,000 | $13,170 | $2,000 | $7,650 | $77,180 | $6,432 |
| $120,000 | $17,570 | $2,400 | $9,180 | $90,850 | $7,571 |
| $150,000 | $24,734 | $3,000 | $11,475 | $110,791 | $9,233 |
Single filer, biweekly, standard W-4, no deductions. How we calculate
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Frequently Asked Questions
What is Arizona's income tax rate?
Arizona levies a state income tax. The exact withholding amount depends on your annual salary, filing status, pay frequency, and any state withholding form elections. Use the calculator above to see your specific Arizona take-home pay.
How is my Arizona paycheck calculated?
Your Arizona take-home pay equals gross pay minus federal income tax (IRS Pub 15-T 2026), Social Security (6.2%), Medicare (1.45%), and state income tax withholding. Any pre-tax deductions — like 401(k) contributions or HSA — reduce taxable income before taxes are applied.
Does Arizona have local income taxes?
Arizona does not have local wage income taxes. Your paycheck estimate includes federal income tax, FICA (Social Security and Medicare), and Arizona state income tax withholding, plus any pre-tax deductions you enter.
Does a 401(k) reduce my Arizona taxable paycheck?
Traditional (pre-tax) 401(k) contributions reduce federal taxable income. State withholding treatment depends on the official Arizona method and the calculator's documented support scope. Use the "Refine for accuracy" panel to enter your 401(k) percentage and review the calculated effect on each paycheck.
Why might my actual Arizona paycheck differ from the estimate?
Employer-specific factors — benefits deductions, employer health insurance premiums, garnishments, supplemental wages, and state W-4 certificate choices — are not modeled in a general calculator. The estimate assumes standard withholding from a W-4 with no special elections. Use it as a close approximation and verify with your employer's payroll department for exact figures.
How can I increase my take-home pay in Arizona?
The most effective strategies are maximizing pre-tax deductions (401(k), HSA, FSA, health insurance premiums paid pre-tax), correctly completing your federal W-4 to avoid over-withholding, and verifying your Arizona state withholding certificate. Over-withholding gives the government an interest-free loan — it is not a financial advantage.
Is this Arizona paycheck calculator free?
Yes. Exact Take Home is completely free, requires no account, and stores no personal data. All calculations run in your browser using source-backed 2026 tax data.
Does Arizona have state income tax?
Yes. Arizona has a state income tax. Rates and brackets vary by income level. Use the calculator above to see the exact withholding amount for your salary and filing status.
How is Arizona paycheck withholding calculated?
Arizona withholding is calculated based on your W-4 elections, gross pay, filing status, and applicable Arizona tax brackets. Federal taxes (income tax + FICA) are calculated separately using IRS Publication 15-T 2026 tables and applied in addition to state withholding.
How much is $75,000 after taxes in Arizona?
$75,000 a year in Arizona results in approximately $60,093 in annual take-home pay for a single filer, based on 2026 rates. Use the calculator above for your specific situation.