This Arizona paycheck calculator 2026 shows your AZ take-home pay under Arizona's flat 2.5% state income tax — tied for the lowest flat income-tax rate in the nation. Combined with Arizona's standard deduction, federal income tax, and FICA, the low state rate means Arizona workers keep more of each paycheck than in most states. Enter your gross pay below and this Arizona net pay calculator shows your 2026 take-home with a full deduction breakdown for hourly or salary workers.
Arizona applies a single flat income-tax rate of 2.5% — one of the lowest in the country. This Arizona paycheck calculator annualizes your pay, subtracts Arizona's standard deduction ($8,350 single / $16,700 joint), applies the flat 2.5%, then layers on 2026 federal income tax and the 7.65% FICA tax, dividing back to your pay frequency. Because the state rate is so low, Arizona take-home pay is high relative to most states.
| Deduction | Rate / basis (2026) | On $60,000 salary |
|---|---|---|
| AZ state income tax | 2.5% flat (after $8,350 deduction) | $1,291 |
| Federal income tax (single) | 2026 brackets | $5,020 |
| FICA | 7.65% | $4,590 |
| Net take-home | $49,099 |
A single Arizonan earning $60,000 takes home about $49,099 a year, or roughly $1,888 per biweekly paycheck — an effective tax rate near 18.2%, among the lowest of any income-tax state.
Arizona adopted a flat 2.5% individual income tax, completing its move away from graduated brackets. At 2.5% it is tied with North Dakota for the lowest flat income-tax rate among the states that levy one, per the Tax Foundation. Because the rate is flat, every Arizona worker pays 2.5% on taxable income regardless of total earnings, which makes Arizona paycheck math simple and predictable.
| State | Flat income-tax rate (2026) |
|---|---|
| Arizona | 2.5% |
| Indiana | 2.95% |
| North Carolina | 3.99% |
| Colorado | 4.40% |
Arizona's standard deduction is about $8,350 for single filers and $16,700 for married filing jointly for 2026, tied to the pre-OBBBA federal amount. Arizona also allows the standard deduction to be increased by a portion of what you would have claimed in charitable deductions. Instead of a dependent exemption, Arizona offers a $100 dependent tax credit for each child under 17 ($25 for older dependents). Your Arizona taxable income is gross wages minus the standard deduction, then taxed at the flat 2.5%.
Hourly workers can switch the pay type to "Hourly" and enter their rate and weekly hours. The calculator annualizes (rate × hours × 52), applies the flat AZ tax plus federal and FICA, and divides back to your pay frequency. A $20/hour full-time worker ($41,600/year) nets roughly $35,000 a year in Arizona after all taxes — more than in most states thanks to the 2.5% rate.
Federal income tax uses the 2026 brackets and the $16,100 single / $32,200 joint standard deduction. FICA is the standard 7.65% — 6.2% Social Security up to the $184,500 wage base, plus 1.45% Medicare with no cap (and 0.9% additional Medicare on wages over $200,000). These apply identically in every state; the AZ 2.5% flat tax is the Arizona-specific line, and it is small enough that federal tax and FICA dominate an Arizona paycheck.
| Annual salary | Approx. AZ net (single) | Per biweekly check |
|---|---|---|
| $40,000 | ~$33,529 | ~$1,290 |
| $60,000 | ~$49,099 | ~$1,888 |
| $80,000 | ~$63,319 | ~$2,435 |
| $100,000 | ~$76,889 | ~$2,957 |
Figures assume the single $8,350 Arizona standard deduction, the 2026 federal brackets, and standard FICA. Your actual paycheck may vary with pre-tax deductions, additional withholding, and dependent credits.
Two fully worked 2026 examples for a single Arizona filer, using the flat 2.5% rate and the $8,350 state standard deduction:
| Item | Salary ($60,000/yr) | Hourly ($20/hr, 40 hrs) |
|---|---|---|
| Annualized gross | $60,000 | $41,600 |
| AZ taxable (after $8,350) | $51,650 | $33,250 |
| AZ income tax (2.5%) | $1,291 | $831 |
| Federal income tax | $5,020 | $2,728 |
| FICA (7.65%) | $4,590 | $3,182 |
| Net per year | $49,099 | $34,859 |
| Net per biweekly check | $1,888 | $1,341 |
Arizona's 2.5% flat rate means state income tax barely dents your paycheck. On $60,000, Arizona's $1,291 income tax is roughly half what a 5%-flat state like Georgia charges and a fraction of a high-tax state like California. For a worker choosing between states, Arizona's low rate can add over a thousand dollars a year of take-home compared with higher-tax states at the same salary.
No. Arizona cities and counties do not levy a local income or wage tax. Your only Arizona income tax is the state flat 2.5%, which keeps Arizona paycheck math simple. Arizona does have local sales (transaction privilege) taxes, but those do not come out of your paycheck.
Instead of a dependent exemption, Arizona provides a dependent tax credit of $100 per dependent under 17 and $25 per older dependent, which phases out for higher-income taxpayers (federal AGI above $200,000 single / $400,000 joint). This credit directly reduces your Arizona tax rather than your taxable income. The calculator above focuses on the standard deduction; if you claim dependent credits, your actual Arizona tax will be lower than shown.
| State | State income tax on $60,000 | Approx. net |
|---|---|---|
| Nevada (no income tax) | $0 | ~$50,390 |
| Arizona (2.5% flat) | ~$1,291 | ~$49,099 |
| Colorado (4.40% flat) | ~$1,932 | ~$48,458 |
| New Mexico (graduated) | ~$2,400 | ~$47,990 |
Arizona's 2.5% flat rate makes it one of the most paycheck-friendly income-tax states in the West, second only to no-income-tax Nevada among its neighbors and well ahead of Colorado and New Mexico.
Arizona uses Form A-4 to set your state withholding as a percentage of gross wages (with options such as 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, and 3.5%). Choosing a percentage close to your effective rate keeps your withholding accurate so you neither over-withhold (giving the state an interest-free loan) nor under-withhold (risking a balance due). Because the tax itself is a flat 2.5%, picking the 2.5% withholding option works well for many workers. The calculator uses the standard deduction; your actual withholding depends on your A-4 election.
Self-employed Arizonans owe the flat 2.5% on net business income after the state standard deduction, plus federal self-employment tax (15.3%) and federal income tax. Because no employer withholds, you generally pay Arizona and federal tax through quarterly estimates. This calculator is built for employees; self-employed filers should also budget for quarterly payments to avoid penalties.
For the most accurate result, enter figures straight from your own documents rather than estimates. Pull your gross pay and pay frequency from a recent pay stub, your filing status from your most recent tax return, and any pre-tax deductions (retirement, health, HSA) from your benefits enrollment. Small differences in these inputs — especially filing status and pre-tax contributions — can change your take-home by hundreds or thousands of dollars a year. The calculator uses verified 2026 federal brackets, the $184,500 Social Security wage base, and current Arizona rules, so matching its inputs to your actual situation gives a reliable estimate you can plan around.
Tax brackets, standard deductions, and the Social Security wage base all change yearly. Using a calculator built on the correct 2026 numbers — rather than a prior-year tool — matters because the differences compound across a full year of pay. This page reflects the 2026 federal standard deductions ($16,100 single / $32,200 joint), the 2026 bracket thresholds, the $184,500 Social Security wage base, and Arizona's confirmed 2.5% flat rate. When the IRS and Arizona DOR announce the following year's figures, the inputs here will be updated so your estimate stays current.
Arizona has a flat 2.5% state income tax for 2026 - tied for the lowest flat income-tax rate of any state that levies one. It applies to taxable income after Arizona's standard deduction, which is tied to the federal pre-OBBBA amount.
About $49,099 a year for a single filer in 2026, or roughly $1,888 per biweekly paycheck. That reflects just $1,291 Arizona income tax (2.5% after the $8,350 standard deduction), about $5,020 federal tax, and $4,590 FICA, for an effective rate near 18.2%.
Arizona's standard deduction is about $8,350 for single filers and $16,700 for married couples filing jointly, tied to the pre-OBBBA federal amount for 2026. Arizona offers a $100 dependent tax credit per child instead of a dependent exemption.
No. Arizona cities and counties do not levy a local income or wage tax. Your only Arizona income tax is the flat 2.5% state rate, which keeps Arizona paycheck math simple and take-home pay high relative to most states.
Arizona's flat 2.5% rate is the lowest flat income tax among states that have one, so very little of your paycheck goes to state tax. A $60,000 earner pays only about $1,291 in Arizona income tax, leaving more take-home than in most graduated-tax states.
Federal tax does not depend on your state. On $60,000 a single filer owes about $5,020 in 2026 federal income tax after the $16,100 standard deduction, plus $4,590 FICA. Only the 2.5% Arizona flat tax is state-specific.