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Arizona Paycheck Calculator

Estimate your Arizona take-home pay in real time — federal tax, FICA, and Arizona Form A-4 withholding at your elected percentage (default 2%), for salary or hourly workers, with 401(k), HSA, and overtime handling.

Your Pay Details

Total gross pay before any deductions.

Pre-tax deductions

Pre-tax retirement contributions — capped at $24,500 per year.

Your share of employer plan premiums, paid pre-tax.

Arizona withholding (Form A-4)

Arizona withholds a percentage you elect on Form A-4 — not a calculated tax. Pick your rate, or leave the 2.0% default that applies if you never filed one.

The percentage your employer takes from each gross-taxed-wage paycheck.

An optional flat dollar amount added to every check, on top of the percentage.

Advanced optionsOvertime, tips, Roth, and special tax situations

Exempt from federal income tax up to $25,000 under OBBBA — but fully taxable on your state return.

After-tax — reduces take-home pay but not your taxes.

Results update automatically as you type — nothing is submitted or stored.

Your Estimated Take-Home

Net pay per bi-weekly paycheck

$2,311

$60,093 per year ·19.9% of gross withheld

Gross

$2,885

Federal tax

$295

10.2% effective

FICA

$221

Arizona tax

$58

2.0% effective

  • Federal income tax$7,670
  • FICA$5,738
  • AZ state tax$1,500
  • Pre-tax deductions$0
  • Take-home pay$60,093
Gross pay$75,000
Federal income tax$7,670
FICA$5,738
AZ state tax$1,500
Pre-tax deductions$0
Take-home pay$60,093

How Arizona paychecks are calculated

An Arizona paycheck is built in four steps, and the state line is the smallest and the most misunderstood. Start with gross pay — an annual salary, or an hourly rate times weekly hours times 52. Subtract your pre-tax elections (traditional 401(k) or 403(b), HSA, and §125 health premiums). What remains is your gross taxable wages, the same base Arizona uses because the state starts its tax at federal adjusted gross income.

Federal income tax applies the 2026 brackets after the standard deduction. FICA runs on gross — pre-tax deferrals do not shrink it — at 6.2% for Social Security up to $184,500 and 1.45% for Medicare on every dollar. Arizona comes last, and it is not a calculated tax: your employer withholds your elected Form A-4 percentage from those gross taxable wages, defaulting to 2% if you never filed the form.

Everything runs client-side in your browser. The 2026 figures from the Arizona Department of Revenue are baked into the code that recalculates on each keystroke, so there is no submit button, no account, and nothing leaves your device.

Arizona Form A-4 withholding percentages

Arizona is unusual: instead of estimating your tax on each paycheck, withholding is a flat percentage you choose. Form A-4 offers a fixed menu — 0.5%, 1%, 1.5%, 2%, 2.5%, 3%, and 3.5% of gross taxable wages — plus 0% for those expecting no liability, plus an optional extra dollar amount per check. The percentage you pick is applied unchanged to every paycheck, which means your Arizona withholding scales directly with the rate you select. The table uses the default $75,000 single salary.

Arizona Form A-4 withholding percentages at a $75,000 salary — computed by the engine
A-4 percentageAZ withholding / bi-weekly checkAZ withholding / yearEstimated take-home / year
0.5%$14.42$375$61,218
1%$28.85$750$60,843
1.5%$43.27$1,125$60,468
2%$57.69$1,500$60,093
2.5%$72.12$1,875$59,718
3%$86.54$2,250$59,343
3.5%$100.96$2,625$58,968

Every figure here comes from the same engine running in the calculator above. Change your salary or elections and re-run it.

Arizona withholding is not your Arizona tax bill

This is the single most important thing to understand about an Arizona paycheck. The statutory income-tax rate is a flat 2.5% on Form 140. Your paycheck withholding is the A-4 percentage — commonly the 2% default — and neither one subtracts Arizona's standard deduction, personal exemption, or Family Tax Credit along the way. Withholding is a blunt, per-check estimate; your April liability is the real bill after every deduction and credit. They rarely match to the dollar, and the difference is true-up on your return.

Arizona default withholding vs. statutory liability at four income levels
Gross taxable wagesA-4 withholding (2.0% default)Annual tax at 2.5% (before deductions)Difference
$40,000$800$1,000$200
$75,000$1,500$1,875$375
$150,000$3,000$3,750$750
$250,000$5,000$6,250$1,250

Why the gap appears

The 2% withholding line is lower than the 2.5% liability line almost entirely because of the rate difference, not deductions — both figures here are computed before Arizona's standard deduction and personal exemption. In real life your Form 140 liability is lower than the 2.5%-of-wages column suggests, because those deductions come off first. Pick your A-4 percentage with your whole tax picture, or use the Department of Revenue's withholding worksheet.

No Arizona local income tax

This is where Arizona differs sharply from many of the paycheck calculators on this site. Arizona statute bars municipalities from levying an income tax, and there is no county or school-district wage tax either. Phoenix, Tucson, Mesa, and every other Arizona city take nothing from your check for city payroll taxes. Pennsylvania and even Illinois cannot make that claim — a PA worker's city and school district routinely add several points on top of the state rate. So your Arizona withholding is genuinely the whole state-and-local picture for an Arizona paycheck.

Arizona cities do levy transaction (sales) taxes, and Maricopa and Pima counties add their own on top of the state rate, but those are charged when you spend, not withheld from your wages. Property taxes are likewise outside the paycheck. This calculator covers federal tax, FICA, and Arizona state withholding — the entire wage-tax burden on an Arizona pay stub — and nothing else.

Arizona paycheck deductions

Reduces Arizona gross taxable wages

  • Traditional 401(k) / 403(b) elective deferrals — capped at $24,500 for 2026
  • HSA contributions — $4,400 self-only, $8,750 family
  • Health, dental, and vision premiums paid through a §125 plan
  • Federal-only too — because Arizona starts at AGI, a deferral lowers both layers

Does not reduce them

  • Overtime premium pay and tip income — Arizona did not adopt the federal OBBBA exclusions
  • Roth 401(k) contributions, which come out after tax
  • FICA wages, which ignore 401(k) and HSA deferrals entirely
  • Garnishments, union dues, and commuter or post-tax FSA elections

Arizona adds no state-run payroll premium of its own in 2026. There is no state disability insurance withholding and — despite the paid family and medical leave program voters approved — no PFML contribution yet, because that program does not begin collecting until 2028. Unemployment insurance is employer-funded. So the only Arizona-specific deduction on a 2026 paycheck is the A-4 income-tax withholding itself.

Federal income tax and FICA

Because Arizona's own withholding is so small, federal tax dominates the Arizona paycheck. For a single filer, federal income tax on the default $75,000 salary runs $7,670 against Arizona's $1,500 — several times the state figure. The 2026 brackets below apply after the standard deduction of $16,100 single, $32,200 joint, $24,150 head of household, plus $2,050 per qualifying factor for age 65 or older or blind.

Federal income tax brackets
RateSingleMarried filing jointly
10%$0 – $12,400$0 – $24,800
12%$12,401 – $50,400$24,801 – $100,800
22%$50,401 – $107,475$100,801 – $200,950
24%$107,476 – $205,250$200,951 – $383,900
32%$205,251 – $260,600$383,901 – $487,450
35%$260,601 – $640,600$487,451 – $768,700
37%Over $640,600Over $768,700

FICA ignores every pre-tax deduction you make. Social Security takes 6.2% up to $184,500 for 2026, then stops for the rest of the year — the single biggest reason a high earner's December check is larger than January's. Medicare takes 1.45% on every dollar with no ceiling, plus 0.9% above $200,000 single or $250,000 joint.

Weekly, bi-weekly, semi-monthly, and monthly pay in Arizona

Arizona's percentage-based withholding makes pay frequency almost cosmetic for the rate portion: 2% of annual wages divided across 52, 26, 24, or 12 periods gives the same yearly total. The exceptions are the lines that are genuinely per-paycheck or annual-capped — Social Security stops at $184,500 of year-to-date wages, and any additional fixed A-4 amount you elect is taken once per check, so more checks mean more of it over a year. The table below runs one $75,000 salary through each schedule at the default rate with no extra.

Take-home pay at $75,000 across pay frequencies in Arizona
Pay frequencyPaychecks / yrGross per paycheckAZ withholding / paycheckNet per paycheck
Weekly52$1,442$28.85$1,156
Bi-Weekly26$2,885$57.69$2,311
Semi-Monthly24$3,125$62.50$2,504
Monthly12$6,250$125.00$5,008

Bi-weekly (26 checks) and semi-monthly (24 checks) are genuinely different schedules: bi-weekly produces two extra paychecks a year, not two larger ones — and if you elect an additional flat amount, those two extra checks each carry it.

Arizona hourly paycheck calculator

Switch "How are you paid?" to Hourly and enter your rate and typical weekly hours. The calculator annualises with the standard payroll convention — rate × hours per week × 52 — then runs the identical federal, FICA, and Arizona A-4 layers used for salaried workers. At $25 an hour for 40 hours, that is $52,000 of gross pay, $1,040 of Arizona withholding, $4,060 of federal tax, and about $825 of take-home per weekly check.

Hourly rate × hours per week × 52 = annual gross
Annual gross − pre-tax deductions = Arizona gross taxable wages
Gross taxable wages × A-4 percentage + additional per check = Arizona withholding

Two hourly caveats. If you regularly clear 40 hours, your real annual pay is above the rate × 40 × 52 figure, so enter your actual average hours and add the overtime premium under Advanced options. And seasonal or part-year work means a 52-week annualisation overstates what you earn — divide your expected pay out yourself in that case rather than trusting the convention.

Arizona take-home pay examples

Every number below was produced by the same engine running in the calculator above — none of it is estimated by hand. Adjust the inputs, including the A-4 percentage, and your own results replace these instantly.

$75,000 salary, single

Bi-weekly, 2% A-4 default

Arizona take-home pay on a $75,000 salary
Line itemAmount
Gross pay (annual)$75,000
Federal income tax−$7,670
FICA (Social Security + Medicare)−$5,738
Arizona withholding−$1,500
Take-home (annual)$60,093
Take-home (per Bi-Weekly paycheck)$2,311

$25 an hour, 40 hours

Weekly, 2% A-4 default

Arizona take-home pay for an hourly worker
Line itemAmount
Gross pay (annual)$52,000
Federal income tax−$4,060
FICA (Social Security + Medicare)−$3,978
Arizona withholding−$1,040
Take-home (annual)$42,922
Take-home (per Weekly paycheck)$825

$120,000 salary, married

Monthly, $10,000 traditional 401(k)

Arizona take-home pay for a joint filer with a 401(k)
Line itemAmount
Gross pay (annual)$120,000
Federal income tax−$8,840
FICA (Social Security + Medicare)−$9,180
Arizona withholding−$2,200
Take-home (annual)$89,780
Take-home (per Monthly paycheck)$7,482

Arizona vs. other paycheck calculators

The same shared engine runs every state calculator on this site, so only the state rules change. See how Arizona's percentage-election withholding compares with Illinois' flat 4.95% with IL-W-4 allowances, Pennsylvania's 3.07% plus local earned-income and Local Services taxes, Virginia's graduated brackets, and Washington's no-income-tax-but-payroll-premiums model.

Frequently Asked Questions

How much tax is taken out of a paycheck in Arizona?
Three layers come out of an Arizona paycheck: federal income tax, FICA (Social Security plus Medicare), and Arizona state withholding at your Form A-4 percentage — the 2.0% default if you never filed one. There is no Arizona local or city income tax and no state payroll premium in 2026. On the default $75,000 single salary here, that is about $7,670 federal, $5,738 FICA, and $1,500 Arizona withholding — roughly $2,311 of take-home on each bi-weekly check.
Is Arizona income tax 2.5% or 2.0%?
Both, and the difference is the whole point. Arizona's annual income-tax rate is a flat 2.5% (A.R.S. § 43-401) — that is what you settle on Form 140 in April. But paycheck withholding is not the tax rate; it is the percentage you elect on Form A-4. If you never file an A-4, your employer withholds 2%. So 2.5% is your liability and 2% is a common withholding default. This calculator models the withholding.
What is Arizona Form A-4?
Form A-4 is the Arizona Employee's Withholding Claim — the state's equivalent of the federal W-4, and a separate form you file with your employer. Instead of claiming allowances like Illinois, you pick a withholding percentage from an official menu: 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0%, or 3.5% of gross taxable wages, plus an optional flat extra dollar amount per check. You can also elect 0% if you expect no Arizona liability. Use the percentage selector in this calculator to model whichever A-4 election you filed.
Why is my Arizona withholding different from my Arizona tax bill?
Because Arizona withholding is deliberately a flat guess, not your actual liability. Your A-4 percentage is applied to gross taxable wages with no standard deduction and no personal exemption taken out, while your Form 140 bill applies both plus any Family Tax Credit. If you under-withhold, you owe the difference (plus possible penalties) in April; if you over-withhold, you get a refund. The gap is usually small because the rates are close — the table on this page shows it at four incomes.
What happens if I do not file an Arizona Form A-4?
Your employer withholds at the statutory default of 2% of gross taxable wages. That is the figure this calculator shows when you leave the percentage at its default. It is a reasonable setting for many taxpayers, but it is a blunt instrument — if you have a spouse, dependents, or other income, the A-4 menu lets you move up toward 3.5% or down to zero to match your real situation.
Can I claim zero Arizona withholding?
Yes. Arizona lets an employee who expects no Arizona income-tax liability for the year elect a 0% A-4 withholding rate, and this calculator supports it. Choose the 0% option and the Arizona line drops to zero. The important caveat, straight from the A-4 instructions: zero withholding does not erase any tax you may still owe. It just stops money coming out of your check, so you keep the cash flow but must be able to pay the bill at filing. The election also has to be renewed each year.
Does Arizona have a local income tax?
No — and that is a genuine legal difference, not a simplification. Arizona statute (A.R.S. § 9-500.01) bars municipalities from levying an earned-income tax, and there is no county or school-district wage tax either. Phoenix, Tucson, and Mesa withhold nothing on top of state tax. Unlike Pennsylvania, where city and school-district earned-income taxes can add several percentage points to your paycheck, the Arizona state line here is the entire state-and-local picture.
What is Arizona gross taxable wages for withholding?
Per the 2026 A-4 instructions, it is essentially your Box 1 wages: gross pay less pre-tax deductions like your share of health-insurance premiums — and, because Arizona starts from federal adjusted gross income, less traditional 401(k)/403(b) and HSA deferrals too. So a retirement contribution lowers your Arizona withholding base the same way it lowers federal taxable income. Enter your deferrals under Pre-tax deductions and the A-4 percentage applies to the reduced wages, not your headline salary.
How is an Arizona hourly paycheck calculated?
Multiply your rate by weekly hours by 52 — $25 an hour at 40 hours is $52,000 a year — then apply federal tax, FICA, and your A-4 withholding percentage. On that $52,000 example at the default 2%, this calculator estimates about $825 of take-home per weekly check. If you regularly work overtime, your real annual pay is above rate × 40 × 52, so enter actual hours and add the overtime premium separately.
How does Arizona tax overtime and tips?
Both stay in Arizona gross taxable wages at your A-4 percentage. The federal OBBBA law now exempts overtime premium pay up to $12,500 a year (single) and tips up to $25,000 from federal income tax, but Arizona has not conformed, so those dollars still count toward your Arizona withholding. Put overtime or tips in Advanced options and this calculator excludes them from federal tax only — the way the IRS and Arizona treat them.
Is Arizona Social Security taxed?
No. Arizona exempts Social Security retirement benefits entirely from state income tax, a real advantage over many states. This calculator models wages, not benefit income, so it never taxes your salary as though it were a Social Security check. For a retirement-income paycheck, the bigger state-tax questions are pension and the standard deduction, not your Social Security — confirm those against Form 140 instructions.
Is there an Arizona paid family leave deduction from my paycheck?
Not in 2026. Arizona voters approved a statewide paid family and medical leave insurance program, but it does not begin collecting premiums until 2028, so there is no employee PFML line on a 2026 Arizona pay stub — nothing like Washington's WA PFML or WA Cares. This calculator reflects that: the only Arizona-specific deduction it applies to a paycheck is the A-4 income-tax withholding.
What is the difference between gross pay and take-home pay in Arizona?
Gross pay is everything you earn before a deduction. Take-home (net) pay is what lands in your account after federal tax, FICA, Arizona withholding, and any deductions you elected. At $75,000 gross on the default scenario you take home about $60,093. Because Arizona's state line is a small percentage and there is no local tax, the gap between gross and net in Arizona is driven overwhelmingly by federal tax and FICA, not the state.

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PayAtlasUSA is an independent salary research site. It is not affiliated with ADP, Gusto, SmartAsset, or any payroll provider, and no third-party payroll service is connected to this calculator.

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⚠️ Disclaimer

This calculator provides estimates only. For personal financial advice, consult a licensed professional. Actual results may vary based on individual circumstances and current market conditions.