Introduction
This Arizona paycheck calculator helps you figure out how much money you actually take home after taxes and deductions. Arizona uses a flat 2.5% state income tax rate, which makes it simpler than many other states. But you still have federal income tax, Social Security, and Medicare taken out of every paycheck. All of these cuts can add up fast.
With this tool, you can enter your salary or hourly wage, pick your pay frequency, and adjust things like your 401(k) contributions, health insurance, and filing status. The calculator then shows your net pay per paycheck, your effective tax rate, and a full breakdown of every dollar that comes out of your gross pay. It works for both salaried and hourly workers in Arizona, including tipped employees and those who earn overtime.
Arizona has a minimum wage of $14.70 per hour in 2025, with a tipped minimum of $11.70 per hour. The state has no local income taxes, so the only state-level tax on your wages is that flat 2.5% rate. You choose how much to withhold on your Arizona A-4 form, with options ranging from 0% to 5.1% of your gross pay. This calculator lets you select your exact A-4 election so your estimate is as close to your real paycheck as possible.
Whether you are starting a new job, asking for a raise, or just want to know where your money goes each pay period, use this calculator to get a clear picture of your Arizona take-home pay.
How to Use Our Arizona Paycheck Calculator
Enter your pay details, tax filing info, and any deductions below. The calculator will show your estimated take-home pay per paycheck, along with a full breakdown of federal taxes, Arizona state taxes, and FICA deductions.
Pay Type: Choose "Salary" if you earn a fixed annual amount or "Hourly" if you are paid by the hour. If you need to convert between the two, try our hourly to salary calculator or salary to hourly calculator.
Annual Salary: If you chose Salary, type your total yearly pay before taxes. You can also drag the slider to adjust the amount. Use our annual income calculator if you need help determining your total yearly earnings.
Hourly Wage: If you chose Hourly, enter the dollar amount you earn per hour. Use the slider or type it in.
Regular Hours / Pay Period: Enter the number of regular hours you work each pay period. Our work hours calculator can help you track your total hours.
Include Overtime: Turn this on if you work overtime hours. Then enter your overtime hourly rate and the number of overtime hours per pay period. You can also use our dedicated overtime calculator for more detailed overtime pay estimates.
Tipped Employee: Turn this on if you receive tips. Then enter the total tips you earn each pay period. Our tip calculator can help you estimate your expected tip income.
Pay Frequency: Pick how often you get paid, such as weekly, bi-weekly, or monthly. If you are paid every two weeks, our biweekly paycheck calculator provides additional detail for that schedule.
Quick-Fill Role Presets: Click a job title like "Warehouse Worker" or "Software Developer" to auto-fill typical pay for that role in Arizona.
Filing Status: Select Single, Married Jointly, or Head of Household to match your federal tax filing status.
Dependents: Enter the number of dependents you claim on your taxes.
W-4 Version: Choose "2020+ W-4" if you filled out the current federal W-4 form. Choose "Pre-2020 W-4" if you still use the older version with allowances. For more help estimating your federal withholding, see our tax withholding calculator.
Other Income (4a): If you use the 2020+ W-4, enter any other annual income from Step 4(a) of your W-4 form.
Deductions (4b): Enter any extra annual deductions from Step 4(b) of your W-4 form, such as itemized deductions above the standard amount.
Extra Withholding (4c): Enter any extra dollar amount you want withheld from each paycheck for federal taxes, from Step 4(c) of your W-4.
Federal Allowances: If you use the Pre-2020 W-4, enter the number of federal allowances you claimed.
Elected A-4 Withholding Rate: Pick the Arizona state tax withholding rate from your A-4 form. The default is 2.7%. Arizona lets you choose a flat percentage from 0% to 5.1%.
Additional State Withholding: Enter any extra flat dollar amount you want withheld each pay period for Arizona state taxes.
Additional Federal Withholding: Enter any extra flat dollar amount you want withheld each pay period for federal taxes beyond your W-4 elections.
Pre-Tax Deductions: Enter amounts for benefits taken out of your pay before taxes, such as medical insurance, dental, vision, 401(k) contributions, HSA, or FSA. For each one, choose "Fixed $" for a set dollar amount or "% of Gross" for a percentage of your gross pay.
Post-Tax Deductions: Enter amounts for items taken out after taxes, such as Roth 401(k) contributions, wage garnishments, union dues, or charitable gifts. Click "Add Custom Deduction" to add your own.
Tax Exemptions: If you are exempt from any specific tax, select "Yes" and then turn on each tax you are exempt from, such as federal income tax, Arizona state tax, Social Security, or Medicare.
Show Employer Costs: Turn this on to see what your employer pays on top of your wages, including their share of Social Security, Medicare, FUTA, and Arizona SUI. You can set the SUI rate to the new employer default or enter a custom experience rate. For a broader look at all employer-side taxes, see our payroll tax calculator.
Calculate: Click the "Calculate" button to see your results. You will get your net pay per paycheck, annual and monthly take-home totals, an effective tax rate, a full gross-to-net table, a paycheck distribution chart, and "What If" scenarios that show how changes like a raise or more hours would affect your pay.
How the Arizona Paycheck Calculator Works
This Arizona paycheck calculator shows you how much money you take home after taxes and deductions are removed from your gross pay. It works for both salaried and hourly workers in Arizona.
When you get paid, your employer takes out several types of taxes before you receive your check. These include federal income tax, Arizona state income tax, Social Security tax (6.2%), and Medicare tax (1.45%). What remains after all these deductions is your net pay, also called take-home pay.
Arizona State Income Tax
Arizona has a flat state income tax rate of 2.5%. This means every worker in the state pays the same percentage, no matter how much they earn. However, the amount your employer actually withholds from each paycheck depends on the rate you choose on your Arizona A-4 form. You can elect a withholding rate between 0% and 5.1%. If you choose a rate higher than 2.5%, you may get a refund when you file your state tax return. If you choose a lower rate, you may owe money at tax time.
No Local Income Tax in Arizona
Unlike some other states, Arizona does not have any city or county income taxes. This means your paycheck is not reduced by local tax withholdings, which keeps more money in your pocket compared to states that do charge local taxes. For comparison, you can check our California paycheck calculator or NYC paycheck calculator to see how local and higher state taxes affect take-home pay in those areas.
Arizona Minimum Wage
The minimum wage in Arizona is $14.70 per hour. Tipped workers can be paid a lower base rate of $11.70 per hour, but their tips must bring their total hourly pay up to at least $14.70. If tips fall short, the employer must pay the difference. To see how your hourly rate translates into weekly or annual earnings, use our wage calculator.
Pre-Tax and Post-Tax Deductions
Many workers have money taken out of their paycheck for things like health insurance, a 401(k) retirement plan, or an HSA. Pre-tax deductions are removed before taxes are calculated, which lowers your taxable income and reduces the amount of tax you owe. Post-tax deductions, like a Roth 401(k) or wage garnishments, are taken out after taxes and do not reduce your tax bill.
FICA Taxes
FICA stands for the Federal Insurance Contributions Act. It covers Social Security and Medicare. You pay 6.2% of your wages toward Social Security up to a wage base of $184,500 per year. You also pay 1.45% toward Medicare on all wages. If you earn more than $200,000 (or $250,000 if married filing jointly), an extra 0.9% Medicare surtax applies to wages above that threshold. For a deeper look at how federal tax brackets affect your withholding, see our tax bracket calculator.
Employer Costs
Your employer also pays taxes on your wages. They match your Social Security and Medicare contributions and pay federal unemployment tax (FUTA) and Arizona state unemployment insurance (SUI). The new employer SUI rate in Arizona is 2.0%, applied to the first $8,000 of each worker's wages. These costs do not come out of your paycheck, but they are part of the total cost of employing you. If you are self-employed, you are responsible for both the employee and employer shares of these taxes — our self-employment tax calculator can help you estimate that total obligation.