Arizona Take-Home Pay Calculator 2026
Quick Answer: In 2026, Arizona has a flat 2.50% income tax. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $59,926, while married joint filers take home about $63,165. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Arizona?
Arizona levies a flat 2.50% income tax on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 79.9% of their gross paycheck, leaving $59,926 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Arizona Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Arizona has a flat 2.50% income tax on personal wages. Standard deductions for 2026 are set at $8 350 for single W-2 filers and $16 700 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Do You Keep: Paycheck Breakdown in Arizona?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $1,041 | $3,825 | $41,314 | 17.4% |
| $75,000 | $7,670 | $1,666 | $5,738 | $59,926 | 20.1% |
| $100,000 | $13,170 | $2,291 | $7,650 | $76,889 | 23.1% |
| $150,000 | $24,734 | $3,541 | $11,475 | $110,250 | 26.5% |
- Federal tax$13,17013%
- Arizona tax$2,2912%
- FICA$7,6508%
- Take-home$76,88977%
- Gross$100,000
What Arizona-specific taxes affect your paycheck?
Arizona levies a single flat 2.5% state income tax on all taxable income, regardless of how much you earn. This rate replaced Arizona's old graduated brackets, which topped out at 4.54% in 2015 and fell to 2.98% before reaching 2.5% in 2023. Some payroll pages still quote a stale "2.5% to 4.5% range" for Arizona; that is incorrect for 2026.
No local income tax
Arizona has no city, county, or local income tax. No Arizona municipality, including Phoenix, Tucson, Mesa, or Flagstaff, adds a separate wage tax, so your only state-level income tax is the flat 2.5%.
The Arizona withholding form and key agencies
Instead of relying solely on the federal W-4, Arizona uses Form A-4 (Arizona Withholding Percentage Election), on which you choose a withholding percentage. The Arizona Department of Revenue (ADOR, via AZTaxes.gov) administers income tax, and the Department of Economic Security (DES) handles unemployment. Arizona has wage reciprocity agreements with California, Indiana, Oregon, and Virginia.
Employer payroll taxes and minimum wage
Arizona's unemployment insurance (SUI/SUTA) applies to the first $8,000 of wages, with a 2.0% new-employer rate. This is an employer tax and does not reduce your take-home pay. Arizona has no state disability or paid-family-leave payroll deduction. The state minimum wage rose to $15.15 per hour on January 1, 2026, up from $14.70 in 2025. For context, Arizona's median household income was about $79,964 (U.S. Census QuickFacts, 2024 dollars).
How Do You Calculate Your Arizona Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Arizona.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Arizona?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Arizona Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: