Arizona Income Tax Calculator
Find your exact take-home pay in Arizona after federal tax, state income tax (2.5% flat rate), Social Security, and Medicare. Enter your salary and see your monthly and per-paycheck amounts instantly.
How to use this calculator
- 1Arizona is pre-selected as your state — the correct state income tax rate (2.5% flat rate) is applied automatically.
- 2Enter your annual gross salary and select your filing status — federal tax is calculated using the full 2026 IRS bracket method.
- 3Adjust health insurance and 401(k) contribution to match your actual elections — both reduce your taxable income and affect your real take-home.
- 4Your annual, monthly, and biweekly take-home pay — with a full breakdown and chart — appears instantly.
How we calculate Arizona take-home pay
Arizona's 2.5% flat tax is among the most competitive in the country. On a $100,000 salary, state income tax is just $2,500 — compared to $6,000 in California or $8,750 in Oregon. The Phoenix metro area's growth reflects this tax advantage combined with a lower cost of living than coastal cities. Arizona has become a top relocation destination for California residents seeking lower taxes and a lower cost of living. The Phoenix metro area in particular has seen significant in-migration from the Bay Area and Los Angeles.
Deductions Applied for Arizona Residents
What this calculator doesn’t include
This calculator covers W2 employment income only. It does not account for: Many Arizona cities and counties levy local income taxes on top of the state rate — check whether your city has one. It also excludes the Alternative Minimum Tax (AMT), the additional Medicare surtax (0.9% on wages above $200,000), investment or capital gains income, self-employment income, itemized deductions (the standard deduction is applied), or employer-provided benefits such as 401(k) matching and health insurance contributions. Results are estimates for financial planning purposes — consult a qualified tax professional for advice specific to your situation.
Arizona take-home pay by salary (2026)
Estimates for a single filer using the 2026 standard deduction, no pre-tax deductions. Click any row to jump to the calculator.
| Annual Salary | Federal Tax | Arizona Tax | FICA | Take-Home Pay |
|---|---|---|---|---|
| $40,000 | $2,762 6.9% | $1,000 2.5% | $3,060 7.6% | $33,178 82.9% |
| $45,000 | $3,362 7.5% | $1,125 2.5% | $3,442 7.6% | $37,071 82.4% |
| $50,000 | $3,962 7.9% | $1,250 2.5% | $3,825 7.6% | $40,964 81.9% |
| $60,000 | $5,162 8.6% | $1,500 2.5% | $4,590 7.6% | $48,748 81.2% |
| $75,000 | $8,114 10.8% | $1,875 2.5% | $5,738 7.6% | $59,274 79% |
| $100,000 | $13,614 13.6% | $2,500 2.5% | $7,650 7.6% | $76,236 76.2% |
| $125,000 | $19,247 15.4% | $3,125 2.5% | $9,562 7.6% | $93,066 74.5% |
| $150,000 | $25,247 16.8% | $3,750 2.5% | $11,475 7.6% | $109,528 73% |
| $200,000 | $37,247 18.6% | $5,000 2.5% | $14,339 7.2% | $143,414 71.7% |
* Percentages show each item as a share of gross salary. Take-Home % = effective keep rate after all taxes.