Arizona Salary & Paycheck Calculator 2026
Arizona's 2.5% flat income tax is the lowest flat rate in the country — adopted in 2022 (down from a previous 4-bracket schedule that topped at 4.5%). Combined with federal + FICA, Arizona has become highly competitive for relocating professionals. Phoenix metro also benefits from no local income tax and moderate property tax (~0.51% effective).
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Showing all 50 states + DC — every jurisdiction has a dedicated paycheck page; picking another navigates there. Use the home calculator →
Common: 100% up to 4%, or 50% up to 6%. For tiered formulas, switch to Tiered.Match dollars don't change your take-home (they go to the 401(k), not your paycheck) — but they show up below as "Total comp".
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Annual Take-Home
$58,668
≈ $4,889/mo · $2,256/biweekly · effective rate 16.78%
+ $3,000/yr employer 401(k) match → $78,000 total compensation
🏖️ Plan ahead with this take-home
Tax Breakdown
Run your numbers through the right calculator
Salaried, freelance, bonus, overtime, or tips — pick the tool that matches your event.
Salary Calculator
Annual gross to take-home: federal + state + FICA + 401(k)/HSA modeling for all 50 states.
Calculate take-homeNo Tax on Tips Calculator
Apply the 2025 OBBBA tip deduction (up to $25,000) for servers, drivers, stylists, and other tipped workers.
Calculate tip take-homeOvertime Calculator
Apply the 2025 OBBBA 'No Tax on Overtime' deduction (up to $12,500) and see real savings.
Calculate OT take-home1099 Tax Calculator
1099, sole prop, or LLC: self-employment tax (15.3%) plus quarterly estimates.
Calculate SE taxArizona State Tax Facts (2026)
Tax Structure
Flat 2.5%
Top Rate
2.5%
Standard Deduction
$13,850 single / $27,700 MFJ (mostly federal)
Other State Payroll
None at state level
Notable Arizona payroll feature
Arizona has the lowest flat state income tax in the US at 2.5% — adopted via SB 1828 in 2022, fully effective 2023. Standard deduction conforms closely to federal ($13,850 single / $27,700 MFJ). No local income tax. Property tax is moderate (~0.51% effective).
How a Arizona paycheck actually works
Withholding on an Arizona paycheck flows through Form A-4, where filers elect a withholding percentage (0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, or 3.5% of gross taxable wages). The default is 2.0% — slightly under the actual 2.5% flat rate, which means most filers should affirmatively pick 2.5% on A-4 to avoid mild under-withholding at filing time. Arizona has no local income tax in any city — Phoenix, Tucson, Mesa, Chandler, Scottsdale all run state + federal + FICA only. Arizona's structure is among the simplest of any state with an income tax.
Take-home math at three tiers, Arizona single filer 2026: $60,000 → about $4,400 federal + $4,590 FICA + $1,156 AZ state (after $13,850 standard deduction) = $10,146 deductions, take-home $49,854 (83%). $100,000 → $11,800 federal + $7,650 FICA + $2,156 AZ = $21,606, take-home $78,394 (78%). $150,000 → $24,000 federal + $9,275 FICA + $3,406 AZ = $36,681, take-home $113,319 (76%). Arizona's 2.5% rate plus generous standard deduction produces the lowest effective income-tax burden among all states with an income tax for $50K-$200K W-2 earners — appreciably less than even Pennsylvania's 3.07% flat rate, since PA has no standard deduction.
Arizona's 2.5% flat rate (SB 1828, 2022) replaced a 4-bracket progressive system that topped at 4.5%, making Arizona the lowest-rate flat-tax state in the country. Combined with no local income tax, moderate property tax (0.51% effective — among the lower rates nationally), no estate tax, no inheritance tax, and Sun Belt climate, Arizona has become a primary destination for California and Pacific Northwest relocations. Scottsdale, Paradise Valley, and Cave Creek absorb a disproportionate share of high-net-worth retirees and remote tech professionals leveraging post-2020 work-from-anywhere policies. The state's lack of OBBBA conformity for No Tax on Overtime is irrelevant for the W-2 professional base since most don't qualify anyway.
The single highest-leverage tactic for Arizona W-2 earners is maxing pre-tax 401(k) and HSA, since Arizona conforms to federal pre-tax treatment. A $24,500 401(k) deferral saves a modest $612 in Arizona state tax — the lowest deferred-deduction value in the country among income-tax states. The bigger lever is residency timing: relocating from California (13.3% top rate) before a major liquidity event captures a 10.8% delta on the income, more than enough to fund the move and restate assets in Arizona's lower-cost real estate market. Arizona doesn't levy a capital gains tax separate from regular income tax, so RSU sales and business-sale events all flow through the same flat 2.5%.
Arizona tax quirks worth knowing
- •AZ adopted the 2.5% flat rate in 2022 via SB 1828, replacing a 4-bracket progressive system that previously topped at 4.5%.
- •Standard deduction: $13,850 single / $27,700 MFJ — close to federal.
- •No local income tax in Phoenix, Tucson, or any Arizona city.
- •Property tax: 0.51% effective average — among the lower rates in the US.
Sources: federal brackets + standard deduction from IRS Rev. Proc. 2025-32; retirement contribution limits ($24,500 401(k), $4,400 HSA, $7,500 IRA) from IRS Notice 2025-67; FICA limits from the SSA 2026 Fact Sheet;Arizona state brackets verified against the Tax Foundation 2026 State Income Tax Rates compilation and the official Form 140 Individual Income Tax Forms (AZ Department of Revenue). Recent Arizona reforms referenced: AZ SB 1828 (2022) — flat 2.5% rate replacing prior 4-bracket schedule. Always cross-check with your state DOR before relying on any number for filing.
Federal payroll tax reference
Above-the-state-line, every Arizona paycheck owes federal income tax + FICA (Social Security + Medicare). The breakdowns: