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Arizona Paycheck Calculator 2026

Use this free Arizona paycheck calculator and Arizona take-home pay calculator to estimate your 2026 take-home pay from salary or hourly wages. See federal income-tax withholding, Social Security, Medicare and Arizona state income-tax withholding at the Form A-4 percentage you choose. Arizona's income tax is a flat 2.5%, and the calculator works for salary and hourly pay on weekly, biweekly, semimonthly and monthly schedules.

Gross pay$2,307.69
Pay frequencyBiweekly
Taxes & deductionsCurrent
Federal income tax$193.08
Social Security + Medicare$176.54
Arizona income tax (A-4 at 2.0%)$46.15
Estimated net pay$1,891.92

Illustrative example: $60,000 annual salary, single filer, paid biweekly, Arizona Form A-4 at the 2.0% default, with no voluntary deductions. Use the calculator below for your own estimate.

2.5% Arizona flat taxWithheld at your Form A-4 rate of 0.5% to 3.5%
Federal W-4 + FICAFederal withholding, Social Security and Medicare
Salary or hourlyWeekly, biweekly, semimonthly and monthly pay

Arizona Paycheck Calculator

Pay details
Pay details
Pay type
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Federal Form W-4
Federal Form W-4
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Need the form itself? Use our Form W-4.

Arizona Form A-4
Arizona Form A-4
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Arizona's income tax is a flat 2.5% of taxable income, but paycheck withholding is the Form A-4 percentage of gross taxable wages. Employers use 2.0% if you haven't filed an A-4.

Deductions
Deductions
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Advanced payroll fields
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2026 calculation methodology

The calculator uses the 2026 federal tax brackets and standard deductions as a payroll estimate, applies Social Security up to the $184,500 wage base, applies Medicare and Additional Medicare where applicable, then withholds Arizona income tax at your Form A-4 percentage of wages after 401(k) and Section 125 deductions. Arizona's income tax itself is a flat 2.5% of taxable income.

What You Should Know About Arizona Paychecks

Arizona has a flat 2.5% income tax, one of the lowest in the country among states that tax wages. It applies to taxable income after the Arizona standard deduction, so the tax you actually owe is usually less than 2.5% of your gross pay.

Your paycheck doesn't show exactly 2.5%, though. Arizona withholding is a percentage of gross taxable wages that you pick on Form A-4: 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0% or 3.5%. If you never turned in an A-4, your employer withholds 2.0%. That's why two Arizona employees with the same salary can take home different amounts.

Arizona has no city or county income tax, and employees don't pay state unemployment tax. The 2026 minimum wage is $15.15 an hour statewide, $18.35 in Flagstaff and $15.45 in Tucson.

2.5% Arizona flat income tax

Applies to Arizona taxable income after the standard deduction.

2.0% Default A-4 withholding

Used when an employee hasn't filed Form A-4; choices run from 0.5% to 3.5%.

$15.15 2026 minimum wage

Statewide since January 1, 2026; higher in Flagstaff and Tucson.

Arizona Paycheck Taxes at a Glance

Here's everything that can come out of an Arizona paycheck in 2026, what sets the amount, and which items are employer costs that never show up as a deduction.

Major Arizona employee paycheck items in 2026
Paycheck item 2026 treatment Employee deduction?
Federal income taxBased on wages, pay frequency and federal Form W-4 electionsYes
Social Security6.2% up to the 2026 wage base of $184,500Yes
Medicare1.45% of all wages, plus 0.9% Additional Medicare above $200,000Yes
Arizona income taxFlat 2.5% of taxable income; withheld at your Form A-4 percentage of gross taxable wages (0.5% to 3.5%, default 2.0%)Yes
Local income taxNone; no Arizona city or county taxes wagesNo
Arizona unemployment insuranceEmployer-paid on the first $8,000 of wages; new employers pay 2.0%No
Paid sick time1 hour per 30 hours worked, up to 24 or 40 hours a year by employer size; taxed like wagesNo

Arizona is one of the only states that lets employees pick their own withholding percentage, so it's worth choosing on purpose.

Which Arizona Form A-4 Percentage Should You Choose?

Here's what each A-4 choice withholds on a $60,000 salary paid biweekly, compared with the roughly $1,098 of Arizona tax a single filer with only wage income would owe (2.5% of $60,000 minus the $16,100 Arizona standard deduction for 2026). The per-paycheck figures come from the calculator above.

Arizona A-4 withholding on a $60,000 biweekly salary, single filer
A-4 percentage Withheld per paycheck Withheld per year Compared with about $1,098 of tax
0.5%$11.54$300About $798 owed
1.0%$23.08$600About $498 owed
1.5%$34.62$900About $198 owed
2.0% (default)$46.15$1,200About $102 refund
2.5%$57.69$1,500About $402 refund
3.0%$69.23$1,800About $702 refund
3.5%$80.77$2,100About $1,002 refund
How to read this: At the 2.0% default, this employee would have about $102 more withheld than the estimated Arizona tax. At 1.5%, withholding would be about $198 short, while 2.5% would withhold about $402 more than the estimate. Actual Arizona tax can differ because of credits, deductions and other income, so treat these figures as estimates.

Estimated Arizona Tax vs. the 2.0% Default, by Salary

Because the 2.5% tax applies after the standard deduction but A-4 withholding applies to gross wages, the best percentage changes with income. This table shows estimated Arizona tax for a single filer with only wage income, using the 2026 Arizona standard deduction of $16,100, next to what the 2.0% default withholds.

Estimated Arizona income tax and A-4 fit by salary (single filer)
Salary Estimated Arizona tax Share of gross pay Withheld at 2.0% Result at 2.0% Closest A-4 choice
$30,000$3481.16%$600About $252 refund1.0%
$45,000$7231.61%$900About $177 refund1.5%
$60,000$1,0981.83%$1,200About $102 refund2.0%
$80,000$1,5982.00%$1,600About $2 refund2.0%
$100,000$2,0982.10%$2,000About $98 owed2.0%
$150,000$3,3482.23%$3,000About $348 owed2.0%
The pattern: For a single filer with only wage income and no credits, the 2.0% default over-withholds at lower salaries, is almost exact around $80,000 and begins to under-withhold as income rises. Because Form A-4 rates move in 0.5-point increments, 2.0% remains the closest listed rate in these examples through $150,000. Married couples filing jointly use a $32,200 standard deduction for 2026, so their comparison is different.

Arizona Salary Calculator: Take-Home Pay Examples for 2026

These figures show Arizona salary after taxes and come from the Arizona calculator above with biweekly pay, Form A-4 at the 2.0% default and no pre-tax deductions. They include federal withholding, Social Security, Medicare and Arizona withholding. For gross pay conversions, see our salary to hourly calculator.

Arizona take-home pay by annual salary (2.0% A-4, biweekly)
Annual salary Single annual net Single avg. monthly net Married joint annual net Married joint avg. monthly net
$30,000$25,685$2,140$27,105$2,259
$40,000$33,520$2,793$35,360$2,947
$50,000$41,355$3,446$43,395$3,616
$60,000$49,190$4,099$51,370$4,281
$75,000$60,092$5,008$63,123$5,260
$100,000$77,180$6,432$82,710$6,892
$120,000$90,850$7,571$98,380$8,198
$150,000$110,791$9,233$120,185$10,015

Arizona Minimum Wage 2026: State, Flagstaff and Tucson

Arizona's minimum wage rises with inflation every January, and two cities set their own higher rates. Here's what each rate means for a 40-hour week, with take-home pay for a single filer at the 2.0% A-4 rate from the calculator above.

Arizona minimum wages and weekly take-home pay in 2026
Location Minimum wage Tipped cash wage Weekly gross at 40 hours Weekly take-home
Arizona (statewide)$15.15$12.15 (up to $3.00 tip credit)$606.00$516.72
Tucson$15.45$12.45 (up to $3.00 tip credit)$618.00$526.12
Flagstaff$18.35No tip credit; full $18.35$734.00$617.01
Overtime: Arizona follows the federal rule: time and a half after 40 hours in a workweek, with no daily overtime. Enter overtime hours in the calculator's hourly mode. For example, $20 an hour for 80 regular and 10 overtime hours is $1,900 gross, and Arizona withholding at 2.0% is $38.00.

How to Calculate Your Arizona Paycheck

An Arizona paycheck goes from gross pay to take-home pay in four steps. The only Arizona-specific step is the last one, and it's simpler than most states: a single percentage of your wages.

1

Calculate gross pay

For hourly wages, use the Arizona hourly paycheck calculator as an Arizona hourly pay calculator. Divide annual salary by the number of pay periods, or multiply the hourly rate by regular hours and add overtime at time and a half.

2

Apply pre-tax deductions

Traditional 401(k) and qualifying Section 125 deductions lower both federal and Arizona taxable wages. Section 125 benefits also lower Social Security and Medicare wages.

3

Calculate federal tax and FICA

Use your Form W-4 to figure federal income tax withholding, then take 6.2% for Social Security up to $184,500 and 1.45% for Medicare.

4

Apply your A-4 percentage

Multiply Arizona taxable wages by your Form A-4 percentage (2.0% if none is on file), add any extra A-4 amount, then subtract post-tax deductions to reach take-home pay.

Arizona Paycheck Worked Example: $60,000 Salary, Biweekly

Here's the full Arizona paycheck after taxes calculation for the example at the top of this page: a $60,000 salary, federal filing status Single, Form A-4 at the 2.0% default, biweekly pay and no pre-tax deductions.

Step-by-step 2026 Arizona paycheck on a $60,000 biweekly salary
Step Calculation Amount
1. Gross pay$60,000 divided by 26$2,307.69
2. Federal income tax2026 percentage method, Single, no W-4 adjustments$193.08
3. Social Security$2,307.69 times 6.2%$143.08
4. Medicare$2,307.69 times 1.45%$33.46
5. Arizona withholding$2,307.69 times 2.0% (A-4 default)$46.15
6. Take-home pay$2,307.69 minus $415.77 of taxes$1,891.92
Same paycheck at 2.5%$2,307.69 times 2.5% = $57.69$1,880.38
Same paycheck with a $150 401(k)Arizona: ($2,307.69 minus $150) times 2.0% = $43.15$1,762.92
What it means: Arizona withholding is only about 2% of gross pay at the default rate, so federal tax and FICA make up most of the deductions. Moving from 2.0% to 2.5% costs $11.54 per paycheck, or $300 a year, and a traditional 401(k) trims Arizona withholding as well as federal tax.

For more detail on how deductions change taxable wages and take-home pay, see our pre-tax vs. post-tax deductions guide.

Arizona Paycheck Tax Calculator: How Arizona Withholding Works

An Arizona paycheck calculator works differently from most state calculators. There are no Arizona tax brackets, allowances or withholding tables to apply. The employer simply multiplies your Arizona taxable wages by the percentage on your Form A-4, then adds any extra amount you asked for. Arizona's actual income tax is a flat 2.5% of taxable income, and your return squares up the difference between what was withheld and what you owe. Use this section as an Arizona withholding calculator and Arizona income tax calculator when comparing Form A-4 choices.

Form A-4: Your Arizona Withholding Election

New employees are supposed to complete Form A-4 within five days of starting work. The 2026 form offers 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0% and 3.5% of gross taxable wages, plus a line for an extra dollar amount per paycheck. If you don't turn one in, your employer must withhold 2.0%. You can also elect 0% if you expect to owe no Arizona tax for the year, but that election has to be renewed every year. File a new A-4 whenever your income or household changes.

Federal Withholding for Arizona Paychecks

Federal income tax withholding is based on your wages, pay frequency and Form W-4. The calculator supports filing status, Step 2(c), Step 3 credits and Step 4(a), 4(b) and 4(c). For more detail, see our 2026 federal tax withholding guide. Social Security is 6.2% up to $184,500 in 2026, and Medicare is 1.45% of all wages, plus 0.9% above $200,000.

Tips and Overtime: Arizona's New Deductions

Arizona adopted the federal deductions for qualified tips and overtime pay in HB 4168, signed June 13, 2026, for tax years 2025 and later. They don't change paycheck withholding: tips and overtime are still withheld at your A-4 percentage. The savings come when you file, as a subtraction on your Arizona return. If you earn a lot of tips or overtime, you may be able to choose a lower A-4 percentage, but check your expected return before you do. For the federal side, see why overtime is still taxed on your 2026 paycheck.

Bonuses and Supplemental Pay

Because Arizona withholding is a percentage of gross taxable wages, bonuses and commissions are withheld at the same A-4 percentage as your regular pay. A $5,000 bonus at 2.0% means $100 of Arizona withholding. Federal withholding on a separately paid bonus is usually a flat 22%, and Social Security and Medicare still apply.

Working Across State Lines

Arizona has reciprocity with California, Indiana, Oregon and Virginia. Residents of those states who work in Arizona can file Form WEC with their employer so Arizona tax isn't withheld; they pay tax to their home state instead. Other nonresidents generally owe Arizona tax on wages for work performed in Arizona. Arizona residents who work in another state usually claim a credit on their Arizona return for tax paid to that state.

No Local Income Tax

No Arizona city or county taxes wages, so Phoenix, Tucson, Mesa and every other city add nothing to your paycheck deductions. Arizona's state and city sales taxes affect what you pay at the register, not your take-home pay.

Employer Payroll Costs in Arizona

Some Arizona payroll costs never show up on an employee's pay stub. Employers pay state unemployment insurance on the first $8,000 of each employee's wages, with new employers at 2.0% in 2026, plus the employer share of Social Security and Medicare and federal unemployment tax. Arizona withholding is reported quarterly on Form A1-QRT and reconciled annually on Form A1-R with the employees' W-2s. When year-end comes, our W-2 form generator can use the same wage and withholding totals.

Why Your Actual Arizona Paycheck May Differ

This calculator is a close estimate, not your employer's payroll run. Year-to-date wages, benefit elections, rounding by pay period, a 27th biweekly payday in some years, and whether your employer has your current A-4 on file can all change the result. If Arizona withholding looks wrong, compare the percentage on your pay stub with the one you chose on Form A-4.

Official 2026 Arizona Payroll Sources

Payroll facts on this page are checked against Arizona Form A-4 (2026), the Arizona Department of Revenue withholding guidance, IRS Publication 15-T for 2026 and the Social Security Administration taxable maximum. Reviewed September 23, 2026.

Arizona Paycheck Calculator by Pay Frequency

This page also works as a weekly, biweekly, semimonthly or monthly Arizona payroll calculator. Use it as an Arizona weekly paycheck calculator, Arizona biweekly paycheck calculator, Arizona semimonthly paycheck calculator or Arizona monthly paycheck calculator based on your pay schedule. The annual salary stays the same, but the gross amount and withholding on each paycheck change with the number of pay periods. See our pay period guide for the differences between common payroll schedules.

52Weekly$945.96 net
26Biweekly$1,891.92 net
24Semimonthly$2,049.58 net
12Monthly$4,099.17 net
1Annual$49,190 net
Figures use a $60,000 annual salary, Single federal filing status, Form A-4 at the 2.0% default and no voluntary deductions. Arizona withholding is $23.08 weekly, $46.15 biweekly, $50.00 semimonthly and $100.00 monthly. Small annual differences come from rounding each paycheck.

How We Test This Arizona Paycheck Calculator

Every scenario below was run through the live Arizona calculator on September 23, 2026. We then checked the Arizona withholding by hand (the A-4 percentage times wages after 401(k) and Section 125 deductions, plus any extra amount) and confirmed that take-home pay equals gross pay minus every tax and deduction. All of them matched to the cent. Federal withholding uses the IRS 2026 percentage method, and scenarios are biweekly unless noted.

Arizona paycheck test cases, checked September 23, 2026 (per paycheck)
Scenario Gross pay Federal income tax Arizona withholding (hand-checked) Take-home pay
$30,000, Single, A-4 2.0%$1,153.85$54.62$23.08$987.88
$60,000, Single, A-4 2.0%$2,307.69$193.08$46.15$1,891.92
$60,000, Single, A-4 0.5%$2,307.69$193.08$11.54$1,926.53
$60,000, Single, A-4 3.5%$2,307.69$193.08$80.77$1,857.30
$60,000, Single, A-4 2.5% plus $10 extra$2,307.69$193.08$67.69$1,870.38
$60,000, Single, 2.0%, $150 401(k)$2,307.69$175.08$43.15$1,762.92
$60,000, Single, 2.0%, $100 Section 125$2,307.69$181.08$44.15$1,813.57
$60,000, 0% election$2,307.69$193.08$0.00$1,938.07
$45,000, Head of Household, 2.0%$1,730.77$82.62$34.62$1,481.13
$120,000, Married Filing Jointly, 2.5%$4,615.38$386.15$115.38$3,760.78
$20 an hour, 80 hours plus 10 overtime, 2.0%$1,900.00$144.15$38.00$1,572.50
$15.15 an hour, 40 hours, weekly, 2.0%$606.00$30.80$12.12$516.72
Update log: September 23, 2026: rebuilt this page for Arizona's 2.5% flat tax and Form A-4 withholding, connected the calculator to our Arizona engine, added the A-4 choice tables, 2026 minimum wages for Arizona, Flagstaff and Tucson, the HB 4168 tips and overtime deduction, reciprocity and bonus rules, and ran every test case above. We re-check this page when the Arizona Department of Revenue or the IRS publishes new rates, and at least once a year each January.

2026 Tax Data This Calculator Uses

Here's every rate and limit behind the numbers on this page and where it comes from, so you can check them yourself.

Tax rates and limits used by the Arizona paycheck calculator
Item 2026 value used Source
Federal income tax withholdingPercentage method tables for 2026 Forms W-4IRS Publication 15-T (2026)
Social Security6.2% up to $184,500 in wagesSocial Security Administration
Medicare1.45% of all wages, plus 0.9% Additional Medicare above $200,000IRS Publication 15 (2026)
Arizona withholding0.5% to 3.5% of gross taxable wages by Form A-4; 2.0% default; 0% election allowedArizona Form A-4 (2026)
Arizona income taxFlat 2.5% of taxable income; 2026 standard deduction $16,100 single/MFS, $24,150 head of household, $32,200 married filing jointlyADOR income tax highlights
Tips and overtimeState subtraction for the federal deductions, tax years 2025 and later (HB 4168)Forvis Mazars summary
Minimum wage$15.15 statewide; $18.35 Flagstaff; $15.45 Tucson (2026)City of Flagstaff and City of Tucson
Paid sick time1 hour per 30 worked; 24 or 40 hours a year by employer sizeA.R.S. 23-372
Unemployment insuranceEmployer-paid; $8,000 wage base; 2.0% new employer rateArizona DES
Spotted something that looks wrong? Tell us through the editorial contact form with the inputs you used, and we'll re-check the calculation. This page is written by Rachel Brooks and follows the research and review process described on our editorial team page. ePayStubs isn't affiliated with the IRS or the State of Arizona.

Arizona Paycheck Calculator FAQ

Does Arizona have a state income tax?
Yes. Arizona taxes wages at a flat 2.5% of Arizona taxable income. Employers don't withhold exactly 2.5%, though. They withhold the percentage of gross wages you pick on Arizona Form A-4: 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0% or 3.5%, or 2.0% if you never turned in an A-4.
How much tax is taken out of an Arizona paycheck?
For a $60,000 salary paid biweekly to a single filer at the default 2.0% A-4 rate, each $2,307.69 paycheck loses about $193.08 to federal income tax, $143.08 to Social Security, $33.46 to Medicare and $46.15 to Arizona income tax, leaving $1,891.92. That's about 18% of gross pay. Your amount changes with your A-4 percentage, Form W-4 and pre-tax deductions.
What is Form A-4 and which percentage should I choose?
Form A-4 is Arizona's withholding election. You choose a percentage of gross wages from 0.5% to 3.5%, and you can add a flat extra amount per paycheck. For a single filer with only wage income, the 2.0% default lands close to the real 2.5% tax on taxable income for salaries between roughly $60,000 and $100,000. Lower earners usually over-withhold at 2.0%, and people with other income or high salaries may want 2.5% or more.
What happens if I don't fill out Form A-4?
Your employer must withhold 2.0% of your gross taxable wages. New employees are supposed to complete Form A-4 within five days of starting, and you can file a new one any time to change your percentage.
Can I choose 0% Arizona withholding?
Only if you expect to owe no Arizona income tax for the year. The 0% election has to be renewed each year, and if you don't renew it your employer can start withholding again. If you do end up owing, you'll pay the full amount when you file.
How much is $100,000 after taxes in Arizona?
A single filer earning $100,000 in Arizona takes home about $77,180 a year, or roughly $6,432 a month, at the default 2.0% A-4 rate with biweekly pay and no pre-tax deductions. A married couple filing jointly on the same salary keeps about $82,710. Arizona withholding at 2.0% is $2,000 a year, a little under the roughly $2,106 of actual Arizona tax for a single filer.
What is Arizona's minimum wage in 2026?
Arizona's minimum wage is $15.15 an hour for 2026, effective January 1. Employers can pay tipped workers $12.15 an hour if tips make up the $3.00 difference. Flagstaff's minimum wage is $18.35 with no tip credit, and Tucson's is $15.45. The state rate is adjusted for inflation every January.
Are tips and overtime taxed in Arizona?
They're still withheld on your paycheck at your A-4 percentage. When you file, though, Arizona now lets you subtract the federal deductions for qualified tips and overtime pay. Arizona adopted them in HB 4168, signed June 13, 2026, for tax years 2025 and later, so the savings show up on your return, not on each paycheck.
How are bonuses taxed in Arizona?
Arizona withholding on a bonus uses the same A-4 percentage as your regular pay, because the percentage applies to all gross taxable wages. Federal withholding on a separate bonus is usually a flat 22%. On a $5,000 bonus at the 2.0% A-4 rate, Arizona withholding is $100.
Do 401(k) and Section 125 deductions lower Arizona withholding?
Yes. Arizona's percentage applies to wages after traditional 401(k) and qualifying Section 125 deductions. On a $60,000 salary, a $150 per-paycheck 401(k) contribution lowers Arizona withholding from $46.15 to $43.15 at the 2.0% rate.
Do I pay Arizona tax if I live in another state?
Arizona has reciprocity with California, Indiana, Oregon and Virginia. Residents of those states who work in Arizona can file Form WEC with their employer so no Arizona tax is withheld. Other nonresidents generally owe Arizona tax on wages for work done in Arizona.
Does any Arizona city have a local income tax?
No. No Arizona city or county taxes wages, so your paycheck only shows federal tax, FICA and Arizona state withholding. Arizona does have state and local sales taxes, but they affect prices, not take-home pay.
Do Arizona employees pay unemployment tax?
No. Arizona unemployment insurance is paid by the employer on the first $8,000 of each employee's wages, with new employers at 2.0% in 2026. It never appears as a deduction on an employee's pay stub.
Does Arizona require paid sick time?
Yes. Employees earn one hour of paid sick time for every 30 hours worked, up to 24 hours a year with employers of fewer than 15 employees or 40 hours with larger employers. Sick pay is taxed like regular wages, so it doesn't change the calculation here.
What is the difference between gross pay and take-home pay?
Gross pay is what you earn before anything comes out. Take-home or net pay is what's left after federal withholding, Social Security, Medicare, Arizona withholding and any payroll deductions. See our gross pay vs. net pay guide for a detailed breakdown.

Ready to put your Arizona numbers on a pay stub?

Use the same gross pay, federal tax, FICA, Arizona withholding and deduction details with our paystub generator to create an Arizona pay stub.

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