Arizona Paycheck Calculator 2026
Arizona lets each employee choose a flat withholding percentage on Form A-4, from 0.5% to 3.5% of gross pay, with 2.0% as the default. Because the actual tax is a flat 2.5% after a $16,100 standard deduction, the 2.0% default usually comes close.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Arizona paycheck rules for 2026
| State income tax, 2026 | Flat 2.5% |
|---|---|
| Deductions before tax | federal standard deduction ($16,100 single, $32,200 joint) |
| Withholding certificate | Form A-4 |
| Bonus (supplemental) withholding | Arizona employees elect a withholding percentage on Form A-4 (0.5% to 3.5%); the default is 2.0%. The same election applies to bonuses. |
| Mandatory payroll premiums | None for employees |
| Local income taxes | None |
| Reciprocity agreements | Yes, with California, Indiana, Oregon and Virginia |
| Sales tax (for context) | 5.60% state, 8.54% average combined with local (rank 11 of 51) |
Worked example: $60,000 in Arizona
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Arizona income tax | -$42.21 |
| Take-home pay | $1,895.87 |
Arizona take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Arizona |
|---|---|---|---|
| $40,000 | $1,297.02 | $33,723 | $598 |
| $60,000 | $1,895.87 | $49,293 | $1,098 |
| $100,000 | $2,964.71 | $77,083 | $2,098 |
| $150,000 | $4,247.83 | $110,444 | $3,348 |
Living and working in Arizona
Arizona's state sales tax is 5.60%; with local add-ons the average combined rate is 8.54%, ranked 11 of 51 as of July 2026.
Arizona moved to a flat 2.5% in 2023, the lowest flat rate of any state that has one.
In retirement: Arizona does not tax Social Security. Up to $2,500 of federal, Arizona state and Arizona local government pension income is exempt; private pensions and IRA withdrawals are fully taxable.
Arizona paycheck questions
How much is take-home pay on $60,000 in Arizona?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,895.87 a paycheck in Arizona ($49,293 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $42.21 to Arizona income tax. That is $1,098 a year less than the same salary in a state with no income tax or payroll premiums.
How much Arizona income tax comes out of each paycheck?
Flat 2.5% since 2023. HB 4168 (signed June 2026) aligned the Arizona standard deduction with the federal amount, so 2026 uses $16,100 single and $32,200 married filing jointly. On a $60,000 salary that works out to about $42.21 every two weeks, an effective 1.83% of gross pay.
What else does Arizona take out of a paycheck?
Apart from income tax, Arizona requires no other employee payroll deduction, so the remaining lines on your stub are federal income tax, Social Security, Medicare and any benefits you chose.
I live in a neighboring state. Will Arizona tax my paycheck?
Not if you live in California, Indiana, Oregon and Virginia. Arizona has reciprocal agreements with those states, so you can give your employer the state's nonresidence form and have only your home state's tax withheld. Without the form, Arizona tax is withheld anyway and you must file a Arizona return to get it back.
How are bonuses withheld in Arizona?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Arizona: Arizona employees elect a withholding percentage on Form A-4 (0.5% to 3.5%); the default is 2.0%. The same election applies to bonuses.
Which form sets my Arizona withholding?
Arizona uses Form A-4 alongside the federal Form W-4. If you do not file one, your employer uses the state's default setting, usually single with no allowances or adjustments. Update it after marriage, a new child or a second job.
More for Arizona
- Arizona income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator