Tax year 2026 · Updated
Arizona Paycheck Calculator
Estimate Arizona take-home pay using your A-4 withholding percentage and extra amount. The default is 2% of taxable wages after eligible pre-tax deductions.
Arizona payroll withholding. The state income-tax line uses your Arizona A-4 percentage and extra withholding for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.
Annual and monthly figures assume the entered pay repeats for a full year. Wage caps are averaged across those paychecks; year-to-date pay and deductions are not tracked.
| Line | Per paycheck | Full-year projection |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Pre-tax retirement | $0.00 | $0.00 |
| Health, HSA, FSA (pre-tax) | $0.00 | $0.00 |
| Federal income-tax withholding | $193.08 | $5,020.00 |
| Social Security (6.2%) | $143.08 | $3,720.00 |
| Medicare (1.45%) | $33.46 | $870.00 |
| Arizona withholding | $46.15 | $1,199.90 |
| After-tax deductions | $0.00 | $0.00 |
| Take-home pay | $1,891.93 | $49,190.10 |
Estimated tax share is the displayed federal withholding, FICA, state/local tax estimate and state payroll deductions divided by gross pay. Benefit deductions are excluded from that share; it is not your final income-tax rate.
Federal withholding follows IRS Publication 15-T for a 2020-or-later W-4. Social Security applies to the first $184,500 of wages in 2026.
Compare a Arizona salary offer with your paystub
- Enter annual gross salary and the employer's pay frequency. Every two weeks means 26 paychecks; twice a month means 24. Benefits entered per paycheck follow that choice.
- Copy the elections from your current federal W-4 and the separate state certificate fields shown in the form. A job offer's salary alone does not establish withholding.
- Enter your employee retirement and health deductions, then any after-tax deductions. Compare gross pay and each deduction line with a regular paystub before relying on the net estimate.
- For a proposed raise, run both annual salaries with the same elections, pay frequency and benefit settings. Percentage-based retirement deductions change with salary. Keep one-off bonuses separate from regular annual salary.
A raise starting partway through the year affects fewer paychecks. The annual result here is a full year at the entered salary; it does not combine earlier wages or predict a refund. For household withholding and amounts already paid, use the IRS Tax Withholding Estimator.
How Arizona paycheck taxes work in 2026
Arizona calculates paycheck withholding from the percentage you elect on Form A-4. The available choices are 0.5%, 1%, 1.5%, 2%, 2.5%, 3% and 3.5%. Without an election, the employer default is 2%. Your employer can also withhold the additional dollars you request from each paycheck.
The percentage applies to gross taxable wages, generally the federal W-2 box 1 wage base. Eligible pre-tax retirement and health contributions reduce that base in this calculator. It does not subtract an annual standard deduction or dependent credit before applying your A-4 percentage. Arizona’s 2.5% tax-return rate is separate from this payroll election.
| Rate | Single filers and joint filers |
|---|---|
| 2.5% | over $0 |
Good to know. Arizona paycheck withholding uses the percentage elected on Form A-4, with a 2% employer default. Select 0.5%, 1%, 1.5%, 2%, 2.5%, 3% or 3.5%, plus any extra amount per paycheck. A-4 uses gross taxable wages, generally federal W-2 box 1 wages after eligible pre-tax deductions. Federal filing status and dependent credits do not select the Arizona withholding percentage. A qualifying A-4 box 2 election sets Arizona withholding to zero and must be renewed annually. This calculator records your existing election; it does not decide eligibility or submit a form. Arizona's 2.5% annual income-tax rate is separate from the elected payroll percentage. Return standard deductions, dependent credits, charitable adjustments and other return-only relief are not modeled or automatically subtracted from withholding wages. Annual output sums the selected paycheck estimate.
Worked example: $60,000 salary in Arizona
A single filer earning $60,000 a year, paid every two weeks, with a standard W-4 and no pre-tax deductions, the 2% A-4 default, no extra Arizona withholding and no zero election, sees this estimate for each paycheck in 2026. These numbers are produced by the same engine as the calculator above, so they never drift from the tool.
| Gross pay | $2,307.69 |
| Federal income-tax withholding | $193.08 |
| Social Security | $143.08 |
| Medicare | $33.46 |
| Arizona withholding | $46.15 |
| Take-home pay per paycheck | $1,891.93 |
| Full-year take-home projection | $49,190.10 |
| Estimated tax share of gross pay | 18.0% |
Comparing a raise or new offer? Use the pay raise calculator to find the percentage change and its federal-only paycheck effect, then compare both salaries above with your Arizona elections and deductions.
What each Arizona A-4 percentage withholds
The 2026 A-4 gives seven percentage choices. This comparison uses $2,000 of taxable wages per paycheck and no extra withholding. Use the election on your current form; a larger percentage increases withholding and reduces that paycheck’s take-home amount.
| A-4 rate | State withheld |
|---|---|
| 0.5% | $10.00 |
| 1% | $20.00 |
| 1.5% | $30.00 |
| 2% (default) | $40.00 |
| 2.5% | $50.00 |
| 3% | $60.00 |
| 3.5% | $70.00 |
For example, $2,200 of gross pay with $200 of eligible pre-tax deductions leaves $2,000 of taxable wages. At 2%, Arizona withholding is $40. An additional $5 election makes it $45. Federal filing status and dependent credits do not change that selected percentage.
A-4 box 2 is a separate zero-withholding election for someone expecting no Arizona tax liability. It requires annual renewal. The calculator reflects your existing election; it does not determine eligibility or submit a certificate.
Arizona’s annual return uses a 2.5% rate and may include deductions, credits and adjustments. Those return items are outside this paycheck estimate. See Arizona DOR’s withholding planning worksheet for planning around a withholding goal and amounts already withheld.
Federal taxes on every paycheck in 2026
Federal income tax withholding follows IRS Publication 15-T: your pay is annualised, adjusted for the entries on your Form W-4, reduced by the standard deduction built into the withholding tables ($16,100 single, $32,200 joint, $24,150 head of household), and run through the 2026 rate schedule below. Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% on wages above $200,000.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,775 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | over $640,600 | over $768,700 | over $640,600 |
Frequently asked questions
Does Arizona have state income tax?
Yes. Arizona has a flat income-tax rate of 2.5% for 2026. The state income-tax line uses your Arizona A-4 percentage and extra withholding for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.
How much is taken out of a $1,000 paycheck in Arizona?
For a single filer paid $1,000 a week with no pre-tax deductions, the 2% A-4 default, no extra Arizona withholding and no zero election, this 2026 calculator estimates $174.58 in tax and state-program deductions: $78.08 federal withholding, $62.00 Social Security, $14.50 Medicare, $20.00 Arizona withholding, leaving estimated take-home pay of $825.42. This assumes the same pay and elections throughout the year.
Why does Arizona withholding default to 2% if income tax is 2.5%?
The 2.5% rate applies to taxable income on the annual return. A-4 withholding uses the percentage selected by the employee on gross taxable paycheck wages. The employer default is 2%; A-4 offers rates from 0.5% to 3.5% and an extra dollar amount. Your final return may include deductions and credits not used in the paycheck calculation.
What does gross taxable wages mean on Arizona Form A-4?
It generally means federal W-2 box 1 wages: gross wages after eligible pre-tax deductions such as health premiums and traditional retirement contributions. Apply the A-4 percentage to that amount, then add any extra withholding. After-tax deductions reduce take-home pay but do not reduce this wage base.
When can I select zero Arizona withholding?
A-4 box 2 is for an employee who expects no Arizona income-tax liability for the current year. Use the checkbox only to match an existing qualifying election. It removes state withholding, including extras, but does not remove federal taxes. The election must be renewed annually and does not eliminate any tax ultimately owed.
Are 401(k) contributions taxed in Arizona?
Qualifying traditional 401(k), 403(b) and similar pre-tax retirement contributions reduce federal and Arizona income-tax wages in this estimate. Social Security and Medicare still apply to those contributions; any local-tax or state-program wage rules are separate.
How do I calculate my hourly take-home pay in Arizona?
Switch the calculator to Hourly, enter your rate, hours per week and any overtime, and choose how often you are paid. The Arizona hourly paycheck calculator opens with those settings and shows the same federal, FICA and state breakdown.
Why is my actual paycheck different from this estimate?
The state income-tax line uses your Arizona A-4 percentage and extra withholding for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill. The estimate assumes steady regular pay and the elections and deductions you enter. Employer rounding, variable pay, year-to-date wage caps, benefit coverage and local-tax rules can produce different deductions. Compare gross pay and each deduction line with your paystub before using the net figure for budgeting. It does not predict a refund or balance due.
Related calculators
- Arizona hourly paycheck calculatorHourly rate, hours and overtime
- Federal income tax calculatorYour 2026 federal tax bill
- W-4 withholding calculatorCheck if enough is being withheld
- Pay raise calculatorWhat a raise means after tax
- Hours worked calculatorTime card to gross pay
- Texas paycheck calculator
- Florida paycheck calculator
- California paycheck calculator
- New York paycheck calculator
- Illinois paycheck calculator
- Pennsylvania paycheck calculator
Paycheck calculators for other states
- AlabamaUp to 5%
- AlaskaNo income tax
- ArkansasUp to 3.9%
- CaliforniaUp to 13.3%
- ColoradoFlat 4.4%
- ConnecticutUp to 6.99%
- DelawareUp to 6.6%
- District of ColumbiaUp to 10.75%
- FloridaNo income tax
- GeorgiaFlat 4.99%
- HawaiiUp to 11%
- IdahoFlat 5.3%
- IllinoisFlat 4.95%
- IndianaFlat 2.95%
- IowaFlat 3.8%
- KansasUp to 5.58%
- KentuckyFlat 3.5%
- LouisianaFlat 3%
- MaineUp to 9.15%
- MarylandUp to 6.5%
- MassachusettsUp to 9%
- MichiganFlat 4.25%
- MinnesotaUp to 9.85%
- MississippiFlat 4%
- MissouriUp to 4.7%
- MontanaUp to 5.65%
- NebraskaUp to 4.55%
- NevadaNo income tax
- New HampshireNo income tax
- New JerseyUp to 10.75%
- New MexicoUp to 5.9%
- New YorkUp to 10.9%
- North CarolinaFlat 3.99%
- North DakotaUp to 2.5%
- OhioFlat 2.75%
- OklahomaUp to 4.5%
- OregonUp to 9.9%
- PennsylvaniaFlat 3.07%
- Rhode IslandUp to 5.99%
- South CarolinaUp to 6%
- South DakotaNo income tax
- TennesseeNo income tax
- TexasNo income tax
- UtahFlat 4.5%
- VermontUp to 8.75%
- VirginiaUp to 5.75%
- WashingtonNo income tax
- West VirginiaUp to 4.82%
- WisconsinUp to 7.65%
- WyomingNo income tax
Sources and updates
Figures are for tax year 2026 and were checked against the sources below on . Tax rules and rates can change. Each calculator identifies the method and limitations used.
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (as of Jan 1, 2026)
- Arizona DOR, individual withholding rates and default election
- Arizona DOR, current A-4 forms and employer instructions
- Arizona Legislature, enacted 2026 Chapter 140, return deduction and credit changes
- Arizona DOR, 2026 Form A-4 and employee instructions
- IRS, Revenue Procedure 2025-32: tax inflation adjustments for tax year 2026 (standard deduction, rate brackets)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, Worksheet 1A percentage method for automated payroll systems
- Social Security Administration, 2026 contribution and benefit base $184,500
- IRS Topic 751, Social Security and Medicare withholding rates (6.2% and 1.45%; Additional Medicare Tax 0.9% over $200,000)
- Tax Foundation, 2026 Tax Brackets (head of household and married filing separately thresholds)
This calculator gives estimates for information only and is not tax, legal or financial advice. Your employer's payroll system, local taxes, benefits and year-to-date wages can change the exact amounts on your pay stub. See how we calculate.