Arizona Paycheck Calculator: Calculate Your Take-Home Pay
A $75,000 salary in Arizona leaves approximately $60,120 after federal tax, state tax, and FICA (Federal Insurance Contributions Act). That is roughly $2,312 per biweekly paycheck. Arizona charges a flat 2.5% state income tax with no local income tax, making it one of the simplest and lowest-tax states in the country. Use this Arizona Paycheck Calculator to see exactly what stays in your pocket. The paycheck calculator above handles all three deduction layers.
Quick version: On a $75,000 Arizona salary (single filer, $16,100 standard deduction), you pay approximately $7,670 in federal tax, $1,473 in Arizona state tax, and $5,738 in FICA. Your estimated take-home is $60,120 per year, or about $2,312 per biweekly paycheck. Arizona’s effective state rate at this income is just 2.0%. No local income tax applies anywhere in Arizona. At $50,000 the take-home is roughly $41,508; at $100,000 it is roughly $77,083.
This calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.
Paycheck Calculator
See your take-home pay after federal taxes, state taxes, FICA, and deductions. Select your state below. Adjust any value and results update in real time.
How to Use This Calculator
Enter your gross annual salary or hourly rate, select your pay frequency and filing status. The Arizona Paycheck Calculator applies 2026 federal brackets, Arizona’s flat 2.5% state tax, and FICA automatically.
Since Arizona has no local income tax, the calculator result is your complete take-home pay. If you contribute to a 401(k) pre-tax, enter that amount to see how it reduces both your federal and Arizona taxable income. A $500/month 401(k) contribution on a $75,000 salary saves roughly $1,470 in combined federal and state tax per year because the entire reduction falls within the 22% federal marginal bracket and the 2.5% Arizona flat rate.
Understanding Your Arizona Paycheck
Your Arizona paycheck has three deduction layers: federal income tax, Arizona state income tax, and FICA. That is it. No county tax, no city tax, no mandatory state disability or family leave programs. Arizona’s paycheck structure is among the simplest in the nation, rivaled only by no-tax states like Nevada or Wyoming.
Here is the breakdown for a $75,000 annual salary (single filer, standard deduction):
| Deduction | Annual | Biweekly |
|---|---|---|
| Gross pay | $75,000 | $2,885 |
| Federal income tax | $7,670 | $295 |
| Arizona state tax (2.5%) | $1,473 | $57 |
| Social Security (6.2%) | $4,650 | $179 |
| Medicare (1.45%) | $1,088 | $42 |
| Take-home pay | $60,120 | $2,312 |
When Arizona transitioned from progressive brackets to the flat 2.5% rate in 2023 under SB 1828, payroll processing became dramatically simpler. Instead of calculating which bracket each employee fell into, every paycheck uses the same rate. The only variable is the withholding percentage an employee elects on Form A-4 (choices range from 0.5% to 3.5%), with 2.0% as the default if no election is made. Since the actual tax rate is 2.5%, employees using the default may owe a small balance at filing time.
Arizona Income Tax Rate 2026
Arizona charges a flat 2.5% on taxable income. This rate took effect in 2023 when Arizona completed its transition from a multi-bracket progressive system (previously 2.55%–2.98%). The flat rate applies equally to a $30,000 earner and a $500,000 earner.
The calculation for a $75,000 single filer:
- Gross income: $75,000
- Arizona standard deduction: $16,100 (single, 2026)
- Taxable income: $58,900
- State tax: $58,900 × 2.5% = $1,473
Effective state rate: $1,473 ÷ $75,000 = 2.0%. Arizona’s standard deduction matches the federal amount — one of the most generous in the country for a flat-tax state. Compare that to Indiana ($1,000 personal exemption) or Pennsylvania (no deduction at all) and you see why Arizona’s effective rate lands well below the headline 2.5%.
A note on conformity in 2026: Arizona has matched its standard deduction to the federal amount since 2019. For tax year 2025 (returns filed in 2026), the deduction is $15,750 for single filers and $31,500 for married couples filing jointly per the Arizona Department of Revenue. For tax year 2026, the inflation-adjusted amounts are $16,100 and $32,200 respectively once the Legislature formally passes conformity legislation. As of late March 2026, a political standoff between Governor Hobbs and the Republican Legislature has stalled the formal conformity bill (SB 1106 and HB 2785 were both vetoed). However, ADOR has released 2025 tax forms assuming conformity, and the department has stated its current forms are “valid and enforceable.” Conformity legislation has historically been enacted retroactively, and both parties agree on individual-level tax provisions including the standard deduction. This Arizona Paycheck Calculator uses the expected $16,100 single deduction consistent with federal conformity.
Arizona also offers an optional itemized deduction if your mortgage interest, charitable contributions, and other eligible expenses exceed the standard deduction. For taxpayers who take the standard deduction, Arizona allows an increase equal to 34% of qualifying charitable contributions (for tax year 2025) or the full amount capped at $1,000 single / $2,000 joint (for tax year 2026, if SB 1106 provisions are eventually enacted). Most earners under $100,000 benefit more from the standard deduction alone.
Arizona does not have a personal exemption. Instead, it offers a dependent tax credit of $100 per dependent under 17 and $25 per dependent age 17 and older (phase-out begins at $200,000 FAGI for single filers and $400,000 for joint filers).
Federal Tax Brackets 2026
The Internal Revenue Service (IRS) applies federal income tax identically in every state. On $75,000 (single filer):
- Subtract the standard deduction: $75,000 – $16,100 = $58,900 taxable income
- Apply each bracket:
| Bracket | Taxable range | Tax |
|---|---|---|
| 10% | $0 – $12,400 | $1,240 |
| 12% | $12,400 – $50,400 | $4,560 |
| 22% | $50,400 – $58,900 | $1,870 |
| Total federal | $7,670 |
Your effective federal rate is 10.2%. Combined with Arizona’s 2.0% effective state rate, your total income tax burden before FICA is only 12.2%. Add FICA at 7.65% and the grand total is approximately 19.8% — leaving over 80 cents of every dollar as take-home pay. Arizona is one of the few states where your combined effective rate stays under 20% on a $75,000 salary.
The full 2026 single-filer bracket schedule continues at 24% above $105,700, 32% above $201,775, 35% above $256,225, and 37% above $640,600.
FICA: Social Security and Medicare
FICA deductions are the same in every state:
Social Security: 6.2% on earnings up to $184,500 (the 2026 wage base from the Social Security Administration). On $75,000: $4,650.
Medicare: 1.45% on all earnings, plus a 0.9% Additional Medicare Tax above $200,000 for single filers. On $75,000: $1,088.
Total FICA: $5,738 per year, $221 per biweekly paycheck.
Your employer matches these amounts dollar-for-dollar. Once your wages exceed $184,500 in a calendar year, Social Security withholding stops and your remaining paychecks increase. For Arizona residents, FICA is the largest single deduction on your paycheck since state tax is only $57 biweekly. Federal policy (FICA rates, the Social Security wage base) affects your Arizona net pay more than any state-level decision.
This creates a notable dynamic for Arizona workers: when Congress adjusts FICA thresholds or rates, Arizona paychecks feel the change more intensely than paychecks in high-tax states where the state deduction already dominates. In low-tax states like Arizona, federal changes account for the vast majority of year-over-year paycheck variation. If you are planning around your Arizona net pay, watch federal tax policy more closely than state policy because the 2.5% flat rate is stable and unlikely to change given the strong political support behind Arizona’s flat tax.
For higher earners approaching the $184,500 Social Security wage base, December paychecks in Arizona feel especially generous because Social Security withholding drops off while the 2.5% state rate barely registers. A $200,000 Arizona earner sees roughly $1,100 more per month in late-year paychecks compared to January. If your employer offers a year-end bonus, Arizona’s flat rate keeps the math predictable.
How Arizona Compares to Neighboring States
Take-home pay on $75,000 (single filer, standard deduction) across Arizona and its neighbors in the Sun Belt corridor:
| State | State tax + programs | Take-home (annual) | Monthly diff vs AZ |
|---|---|---|---|
| Arizona | $1,473 (flat 2.5%) | $60,120 | — |
| Colorado paycheck | ~$2,922 (flat 4.40% + FAMLI 0.44%) | ~$58,670 | AZ saves ~$121/mo |
| California paycheck | ~$3,916 (progressive 1–13.3% + SDI 1.3%) | ~$57,676 | AZ saves ~$204/mo |
| Nevada | $0 (no state income tax) | ~$61,592 | NV saves ~$123/mo |
Arizona sits between tax-free Nevada and higher-tax California and Colorado. You keep $204 more per month than a California resident and $121 more than a Colorado resident, but $123 less than a Nevada resident. For workers choosing between Phoenix, Las Vegas, and Los Angeles, the tax difference is meaningful but rarely the deciding factor once salary levels and cost of living enter the equation.
The California-to-Arizona migration pattern is well documented. A $75,000 earner moving from California to Arizona gains roughly $2,400 per year in combined state tax and SDI savings. Factor in Arizona’s lower property taxes and housing costs, and the financial incentive is substantial.
Colorado’s take-home is further reduced by the FAMLI (Family and Medical Leave Insurance) employee premium of 0.44% of wages in 2026, down slightly from 0.45% in 2025. While this funds a paid leave benefit, it is a paycheck deduction that does not exist in Arizona.
FAQ
What percent is taken out of a paycheck in Arizona?
Federal income tax (10%–37% marginal), Arizona state tax (flat 2.5%), Social Security (6.2%), and Medicare (1.45%). Arizona has no local income tax. On $75,000, the combined effective rate is approximately 19.8%.
Does Arizona have local income tax?
No. Arizona does not allow cities, counties, or municipalities to levy income tax. Arizona cities do impose a Transaction Privilege Tax (a sales tax equivalent) that ranges from about 1.5% to 4% depending on the city, but this does not affect your paycheck.
How much is $75,000 after taxes in Arizona?
Approximately $60,120 per year or $2,312 biweekly (single filer, $16,100 standard deduction, 2026).
How much is $50,000 after taxes in Arizona?
On $50,000 (single, $16,100 deduction): federal tax ~$3,820, AZ state tax ~$848, FICA ~$3,825. Take-home approximately $41,508 per year or $1,597 biweekly.
How much is $100,000 after taxes in Arizona?
On $100,000 (single, $16,100 deduction): federal tax ~$13,170, AZ state tax ~$2,098, FICA ~$7,650. Take-home approximately $77,083 per year or $2,965 biweekly.
Why did Arizona switch to a flat tax?
Arizona transitioned from progressive brackets (2.55%–2.98%) to a flat 2.5% rate effective tax year 2023 under SB 1828, signed by then-Governor Ducey. The law was triggered when state General Fund revenues exceeded a statutory threshold. The stated intent was to simplify the tax code and attract businesses and remote workers from higher-tax states.
What is the Arizona standard deduction for 2026?
Arizona conforms to the federal standard deduction. For tax year 2025 (filed in 2026), the amounts are $15,750 (single), $23,625 (head of household), and $31,500 (married filing jointly). For tax year 2026, the inflation-adjusted amounts are $16,100, $24,150, and $32,200 respectively. Formal conformity legislation is still pending as of March 2026 due to a standoff between the Governor and the Legislature, but both sides agree on the individual-level standard deduction.
How does Arizona withholding work?
Unlike most states that use bracket-based withholding tables, Arizona allows employees to elect a withholding percentage on Form A-4. The choices are 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, or 3.5% of gross taxable wages. The default is 2.0% if no form is filed. Since the actual tax rate is 2.5%, employees who use the default 2.0% withholding may owe a small balance when they file their annual return.
Is overtime taxed at a higher rate in Arizona?
No. Arizona’s flat 2.5% applies to all ordinary income regardless of source. Federal brackets also do not have a separate overtime rate. Your employer may temporarily withhold at a higher rate on overtime-heavy paychecks, but the correct amount applies when you file your annual return. For tax year 2025 onward, the federal OBBBA introduced a deduction for qualified overtime compensation from adjusted gross income; Arizona’s current tax forms reflect this provision pending formal state conformity.
How does Arizona compare to no-tax states like Nevada?
Arizona’s flat 2.5% costs a $75,000 earner approximately $1,473 per year compared to $0 in Nevada. The gap is about $123 per month. However, Arizona funds state services (public universities, infrastructure, AHCCCS/Medicaid) with that revenue, while Nevada relies more heavily on gaming revenue and higher sales taxes.
Sources
- IRS Tax Inflation Adjustments for Tax Year 2026 — Federal standard deduction $16,100 single, $32,200 MFJ; 2026 bracket thresholds.
- Social Security Wage Base 2026 — SSA — $184,500 contribution and benefit base.
- Arizona Department of Revenue — Individual Income Tax Highlights — TY 2025 standard deduction $15,750 single; flat 2.5% rate.
- Arizona Department of Revenue — Income Tax Rates — Flat 2.5% rate confirmation.
- Arizona Department of Revenue — Withholding Calculations — Form A-4 percentage election explanation.
- Arizona Department of Revenue — IRC Conformity History — Annual conformity process documentation.
- ADOR News: Executive Order and 2025 Tax Year Forms (Jan 2026) — Forms “valid and enforceable” with federal-conforming deductions.
- AZ SB 1106 Fact Sheet — Arizona Legislature — Proposed conformity provisions (vetoed Jan 16, 2026).
- Arizona Republic — Tax Conformity Standoff (Mar 9, 2026) — Current status of conformity legislation.
- Tax Foundation — State Income Tax Rates and Brackets, 2026 — Multi-state comparison data.
- IRS Topic 751 — Additional Medicare Tax — 0.9% surtax above $200,000.
- Colorado FAMLI 2026 Premium Rate — 0.88% total, 0.44% employee share.
- California EDD — SDI Withholding Rate 2026 — 1.3% on all wages, no cap.
Whether you are considering a move from California or checking your Phoenix paycheck, this Arizona Paycheck Calculator gives you the complete federal, state, and FICA breakdown. For all 50 states, visit the paycheck calculator hub. See what your profession pays at the salary calculator.
This calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.
Jordan spent four years in payroll processing before joining Kalkfy as a financial research editor. He is not a CPA or tax attorney; this content is educational, not financial advice.
This calculator provides estimates for informational purposes only. Actual amounts may vary based on additional deductions, local taxes, and employer-specific withholdings. Consult your HR department or a licensed tax professional for exact figures.