Arizona Paycheck Calculator (2026) | AZ Take-Home Pay Estimator
Estimate your take-home pay in Arizona. 2026 AZ paycheck calculator featuring Arizona's flat 2.5% tax rate, Form A-4 percentage elections, and federal withholding.
Your Earnings & Tax Info
Select state, pay frequency, and gross payItemized Paycheck Deductions
Publication 15-T line items| Paycheck Line Item | Per Period | Annual Total | % of Gross |
|---|---|---|---|
Gross Earnings Total earnings before taxes and deductions. | $2,307.69 | $60,000.00 | 100.0% |
Federal Income Tax Withheld per IRS Publication 15-T percentage method based on filing status and Form W-4. | -$269.12 | -$6,997.12 | 11.7% |
Social Security (OASDI) 6.2% on eligible wages up to the 2026 wage base limit ($181,800). | -$143.08 | -$3,720.00 | 6.2% |
Medicare (Hospital Insurance) 1.45% on all earnings with no annual wage limit. | -$33.46 | -$870.00 | 1.4% |
Arizona State Income Tax State withholding based on official Arizona Department of Revenue schedules. | -$57.69 | -$1,500.00 | 2.5% |
Take-Home (Net) Pay Estimated net amount deposited into your bank account per paycheck. | $1,804.34 | $46,912.88 | 78.2% |
Verified Calculation Basis (Tax Year 2026)
IRS Publication 15-T percentage method withholding & state revenue schedules applied.
Official Data Source:Arizona Employee Withholding Election (Form A-4) & Tax Guidelines →
Published and maintained by the Arizona Department of Revenue (ADOR). Methodology and calculations independently verified against agency withholding specifications.
How Arizona Paychecks Are Calculated in 2026
Arizona features one of the most unique and flexible state income tax withholding systems in the country. Following statutory tax reforms that established a **flat 2.5% state income tax rate**, Arizona employees directly choose their withholding rate using **Arizona Form A-4**.
Arizona Form A-4 Withholding Percentages
On Form A-4, every employee chooses one of the following percentages to be withheld from their gross taxable wages:
- 0.8% (Lowest voluntary withholding rate)
- 1.3%
- 1.8%
- 2.3%
- 2.5% *(Default statutory rate aligning with Arizona's flat income tax)*
- 2.8%
- 3.3% (Highest voluntary withholding tier)
Worked Example: Biweekly Paycheck for a $60,000 Salary in Arizona
Consider an employee earning an annual salary of $60,000 in Phoenix, Tucson, or Scottsdale, paid biweekly (26 pay periods per year), filing Single at the default 2.5% rate:
- Gross Pay per Check:
$60,000 ÷ 26 = $2,307.69 - Federal Income Tax Withholding:
$200.15(IRS Publication 15-T) - Social Security Tax (6.2%):
$143.08($2,307.69 × 6.2%) - Medicare Tax (1.45%):
$33.46($2,307.69 × 1.45%) - Arizona State Withholding (2.5%):
$57.69($2,307.69 × 2.5%) - Total Taxes Withheld:
$434.38 - Estimated Take-Home (Net) Pay:
$1,873.31 per paycheck
Arizona Paycheck FAQs
Does Phoenix or Tucson have a local city income tax?
No. Arizona state law prohibits municipalities from levying local wage income taxes. Whether you live in Phoenix, Mesa, Chandler, or Flagstaff, local city income tax is 0%.
Why would an employee choose 1.8% or 3.3% on Form A-4?
If you anticipate substantial state tax credits (such as charitable credits or dependent exemptions), choosing a lower rate like 1.8% keeps more cash in your paycheck. Conversely, if you have non-wage investment income, choosing 3.3% ensures you do not owe tax when filing Form 140 in the spring.
Does Arizona have state disability insurance deductions?
No. Arizona does not mandate employee-paid state disability or family leave deductions.