Arizona Paycheck Calculator (2026)
This Arizona paycheck calculator estimates 2026 take-home pay by subtracting federal income tax, FICA, and Arizona state tax from gross salary. Arizona applies a flat 2.
Arizona applies a flat 2.5% state income tax to taxable income. On a $60,000 salary, that works out to about $49,099 in annual take-home pay for a single filer; at $100,000 it is roughly $76,889. Use the calculator above with your own salary, filing status, and pay schedule for a precise estimate.
2026 Arizona income tax brackets (single filer)
| Taxable income | Rate |
|---|---|
| Over $0 | 2.5% |
Arizona allows a state standard deduction of $8,350 for single filers and $16,700 for married couples filing jointly. Conforms to pre-OBBBA federal standard deduction ($8,350/$16,700 for 2026). No personal exemption; $100 dependent tax credit (under 17) in lieu of dependent exemption. Standard deduction can be increased by 34% of charitable deduction amount.
Keep in mind this tool estimates annual tax liability divided across paychecks. Your actual withholding depends on your W-4 form, pre-tax benefits such as 401(k) or health insurance premiums, and any credits you claim at filing time. Pre-tax contributions lower both your federal and Arizona taxable income, so real take-home pay is often slightly different from this estimate.
How this calculator works
Take-home = Gross − Federal income tax − Arizona state tax − FICA (Social Security + Medicare)
- Federal tax uses the 2026 IRS brackets after the standard deduction ($16,100 single / $32,200 married).
- FICA is 6.2% Social Security on wages up to $184,500 plus 1.45% Medicare (0.9% extra above $200,000 single / $250,000 married).
- Arizona state tax applies a flat 2.5% rate after available state deductions and exemptions.
Worked example
A single filer earning $60,000 in Arizona in 2026 pays about $5,020 in federal income tax, $4,590 in FICA, and $1,291 in state income tax, leaving take-home pay of roughly $49,099 per year ($1,888 per biweekly paycheck).
Data & sources
- IRS — 2026 federal tax inflation adjustments
- SSA — 2026 Social Security wage base
- Tax Foundation — 2026 state income tax rates & brackets
Last updated: · Estimates annual tax liability; actual withholding on each paycheck may differ. Not tax advice — verify with the Arizona revenue department or a tax professional.
Frequently asked questions
Does this calculator support 401(k) contributions?
Yes. Enter your annual pre-tax retirement contribution (401k, 403b, TSP) and it is deducted from federal and state taxable income before tax is calculated. Per IRS rules, 401(k) contributions remain subject to Social Security and Medicare (FICA). Note: New Jersey and Pennsylvania tax 401(k) contributions at the state level; this calculator applies the standard federal treatment.
How much is $60,000 after taxes in Arizona?
In 2026, a single filer earning $60,000 in Arizona takes home approximately $49,099 per year after federal tax, FICA, and state tax — an overall effective tax rate of about 18.2%.
How much is $100,000 after taxes in Arizona?
A single filer earning $100,000 in Arizona nets roughly $76,889 in 2026 after all federal and state taxes, or about $6,407 per month.
Does Arizona have a state income tax?
Yes. Arizona applies a flat 2.5% state income tax to taxable income.
What FICA taxes come out of my paycheck?
Social Security takes 6.2% of wages up to $184,500 (2026 cap) and Medicare takes 1.45% of all wages, plus an extra 0.9% on income above $200,000 (single) or $250,000 (married).
Why is my actual paycheck different from this estimate?
This calculator estimates annual tax liability spread evenly across paychecks. Real withholding follows your W-4 elections and subtracts pre-tax items like 401(k), HSA, and health premiums first, so the exact figure on your pay stub will differ.
Are there local or special taxes in Arizona?
Conforms to pre-OBBBA federal standard deduction ($8,350/$16,700 for 2026). No personal exemption; $100 dependent tax credit (under 17) in lieu of dependent exemption. Standard deduction can be increased by 34% of charitable deduction amount. These are not included in this calculator's result.