Your work. Your state. Your take-home.
Arizona paycheck calculator 2026
See what lands in your bank account. Estimate Arizona take-home pay after federal and state taxes and your benefits.
Your pay details
2026 tax yearEstimated take-home pay
Average per paycheck - every 2 weeks
Current 2026 rules projected over a full year.
This is a full-year average. Actual checks can change when Social Security or state wage caps are reached, or Additional Medicare withholding begins.
IRS, SSA and state agency rules, linked below.
Employee taxes and benefits shown separately.
Steady wages projected over a full year.
How Arizona taxes your paycheck
Arizona payroll withholding follows the percentage you select on Form A-4. The available positive rates run from 0.5% to 3.5% in half-point steps. The employer default is 2.0% when a new employee does not supply the form.
The percentage applies to gross taxable wages, generally the amount that will appear in federal W-2 Box 1 after qualifying pretax deductions. Arizona's 2.5% final income tax rate does not automatically set the percentage withheld from every paycheck.
| Item | 2026 rule |
|---|---|
| A-4 positive elections | 0.5%, 1%, 1.5%, 2%, 2.5%, 3%, 3.5% |
| Employer fallback | 2.0% of federal taxable wages |
| Final income-tax rate | 2.5%, separate from A-4 withholding election |
These are employee payroll withholding rules. Your final income tax return may use different deductions, credits or rates.
Arizona take-home pay examples
Compare three salaries with the same calculator. These examples update with your filing status, pay frequency and benefits settings.
| Annual salary | Annual take-home | Average paycheck |
|---|---|---|
| $40,000.00 | $33,520.00 | $1,289.23 |
| $75,000.00 | $60,092.50 | $2,311.25 |
| $120,000.00 | $90,850.00 | $3,494.23 |
Single, biweekly pay, no 401(k), health premium or extra federal withholding, and the state defaults shown above.
Common paycheck questions
Is Arizona withholding always 2.5%?
No. A-4 lets employees choose a withholding percentage; 2.0% is the employer fallback if a new employee supplies no form.
Do pretax health premiums reduce the Arizona withholding base?
Qualifying pretax deductions generally reduce federal W-2 Box 1 wages, which the A-4 instructions use as the withholding wage base.
How accurate is this Arizona paycheck calculator?
It estimates regular wages using official 2026 withholding rules and the assumptions shown. Bonuses, multiple jobs, credits, employer plans and year-to-date pay can change actual checks. Compare the result with your pay stub and withholding certificates.
Are my salary details stored?
No. The calculation runs in your browser. Your entries are not sent to a calculation server, saved to local storage or used for advertising.
Official sources & last update
Rules reviewed on October 23, 2026. The linked agencies publish the authoritative rules. This website independently implements them; it is not an agency service.
- Arizona DOR: 2026 A-4 withholding election and instructions
Retrieved 2026-10-23 - Arizona DOR: Individual withholding guidance
Retrieved 2026-10-23 - IRS Publication 15-T (2026), Worksheet 1A and annual standard withholding schedules
Retrieved 2026-10-23 - IRS Revenue Procedure 2025-32, sections 3.01 and 3.14 (2026 brackets and standard deduction)
Retrieved 2026-10-23 - SSA Contribution and Benefit Base, 2026 row
Retrieved 2026-10-23 - IRS Publication 15 (2026), sections 9 and 15 (FICA, Additional Medicare and traditional 401(k))
Retrieved 2026-10-23 - IRS qualified cafeteria-plan benefit tax treatment
Retrieved 2026-10-23 - IRS 2026 401(k) contribution limits
Retrieved 2026-10-23
Found a discrepancy? Compare the displayed assumption with the linked schedule and your pay stub. Until it is resolved, use your employer’s payroll calculation or consult a qualified tax professional.