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).
Your Paycheck Inputs
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".
All calculations happen in your browser. No data stored or shared.
Annual Take-Home
$57,289
≈ $4,774/mo · $2,203/biweekly · effective rate 18.62%
- Federal $6,845
- State $1,379
- FICA $5,738
- 401(k) $3,750
- Take-home
+ $3,000/yr employer 401(k) match → $78,000 total compensation
🏖️ Plan ahead with this take-home
Tax Breakdown
Keep comparing
Arizona 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 $5,020 federal + $4,590 FICA + $1,156 AZ state (after $13,850 standard deduction) = $10,766 deductions, take-home $49,234 (82%). $100,000 → $13,170 federal + $7,650 FICA + $2,156 AZ = $22,976, take-home $77,024 (77%). $150,000 → $24,734 federal + $11,475 FICA + $3,406 AZ = $39,615, take-home $110,385 (74%). 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. Arizona does mirror the OBBBA overtime and tips deductions (HB 4168, 2026), though most of that W-2 professional base is salaried and exempt, so it rarely applies.
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 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: