Arizona Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Arizona Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as an Arizona net pay calculator by computing Federal withholding, FICA taxes, and Arizona income tax (based on the 2.55% and 2.98% brackets). Whether you are a salaried employee or need an Arizona hourly pay calculator, this tool provides a clear breakdown of your earnings.
- State Tax Rate: 2.55% – 2.98% (Progressive)
- Federal Tax: 10% – 37% (Based on brackets)
- Social Security: 6.2%
- Medicare: 1.45%
How the Arizona Paycheck Calculator Works
Our Arizona gross to net pay calculator uses the latest tax formulas to convert your salary into take-home pay. We start with your gross earnings and subtract:
- Federal Withholding: Based on your W-4 filing status.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Arizona State Tax: Calculated using the specific 2.55% and 2.98% tiers applicable to your taxable income.
Arizona Income Tax Brackets (2026)
Arizona uses a progressive income tax system with two primary brackets. This makes the Arizona income tax calculator logic relatively straightforward compared to states with many tiers.
Single / Married Filing Separately
| Taxable Income Range | Tax Rate |
|---|---|
| $0 – $28,653 | 2.55% |
| $28,654 and above | 2.98% |
Note: For Married Filing Jointly, income thresholds generally double (e.g., the first bracket covers up to $57,306).
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every Arizona paystub calculator must account for FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Arizona Paycheck After Taxes for $50,000 Salary
If you are a single filer in Phoenix or Tucson earning $50,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $4,241 |
| FICA (7.65%) | $3,825 |
| State Tax (Est. ~2.7%) | $1,366 |
| Estimated Take-Home Pay | $40,568 |
Minimum Wage & Cost of Living
Arizona adjusts its minimum wage annually based on inflation. The cost of living in Arizona has risen in recent years, particularly in housing, though it remains lower than neighboring California.
How to Increase Your Take-Home Pay
To maximize your Arizona salary calculator results, review your withholding on Form A-4 (Arizona's withholding form). Increasing contributions to a 401(k) or HSA can reduce your taxable income, lowering both federal and state tax liabilities.
FAQs – Arizona Paycheck Calculator
What is the income tax rate in Arizona for 2026?
Arizona has two main tax rates: 2.55% on the first $28,653 of taxable income (for singles), and 2.98% on income above that amount.
Does Arizona tax overtime pay?
Yes, overtime pay is treated as regular income and is subject to both federal and Arizona state income taxes.
How do I calculate hourly to salary in Arizona?
To convert hourly to salary, multiply your hourly wage by 2,080 (40 hours x 52 weeks). For example, $20/hr equals $41,600 annually.