Finance calculators

Arizona Paycheck Calculator

Updated Sep 11, 2026 By Infinity Calculator
Rate Formulas Sources
State Income Tax
2.5% Flat
Minimum Wage
$15.15/hr
Tipped Minimum
$12.15/hr
Overtime Rule
1.5× after 40 hrs
Local Income Tax
None

Pay & Gross Income

≈ $31.25/hr based on 40 hrs/week

The A-4 is Arizona's voluntary election form where you choose a flat percentage of your gross wages to withhold for state tax.

Pre-Tax Total $0.00 (0.0%)
Post-Tax Total $0.00 (0.0%)

Your Estimated Take-Home Pay

Net Pay Per Paycheck
$0.00
Annual
$0
Monthly
$0
Weekly
$0
Hourly
$0
0%
Take-Home
0%
Effective Tax Rate

Gross-to-Net Breakdown

CategoryPer Paycheck% of Gross

Paycheck Distribution

Paycheck distribution data

Deductions as % of Gross

"What If" Scenarios (annual take-home impact)

Step-by-Step Solution

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's minimum wage is $15.15 per hour.2 Employers of tipped workers may pay a cash wage of $12.15 per hour.3 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 Form A-4, from 0.5% to 3.5% of your gross taxable wages.1 This calculator lets you select your exact A-4 election so your estimate is as close to your real paycheck as possible.

Use this calculator to get a clear picture of your Arizona take-home pay when you start a new job, ask for a raise, or want to know where your money goes each pay period.

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.

Annual Salary: If you chose Salary, type your total yearly pay before taxes. You can also drag the slider to adjust the amount.

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.

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.

Tipped Employee: Turn this on if you receive tips. Then enter the total tips you earn each pay period.

Pay Frequency: Pick how often you get paid, such as weekly, bi-weekly, or monthly.

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.

Children Under 17: Enter the number of qualifying children under 17 from Step 3 of your W-4. For 2026 each one is worth $2,200.8

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.

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. If you do not give your employer Form A-4, your employer withholds 2.0% of your gross taxable wages.1 You can choose 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0% or 3.5%, or elect a withholding percentage of zero if you expect no Arizona tax liability for the year.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.

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 from 0.5% to 3.5%, or a withholding percentage of zero if you expect no Arizona tax liability for the year.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.

Arizona Minimum Wage

The minimum wage in Arizona is $15.15 per hour.2 Employers of tipped workers can pay a cash wage of $12.15 per hour and count up to $3.00 an hour in tips toward the minimum.3 If tips fall short, the employer must make up the difference.12

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.5 You also pay 1.45% toward Medicare on all wages.5 Your employer withholds an extra 0.9% Medicare tax on wages above $200,000 in a year, whatever your filing status.5 When you file your return, that tax applies above $250,000 for married couples filing jointly.6

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). Arizona SUI applies to the first $8,000 of each worker's wages in a calendar year.4 The new employer rate is 2.0%. 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 pay self-employment tax on your earnings instead.13

Formulas used

Gross Pay Per Period (Salary)
\text{Gross}_{\text{period}} = \frac{\text{Annual Salary}}{\text{Pay Periods}}
Gross Pay Per Period (Hourly)
\text{Gross}_{\text{period}} = (W \times H) + (W_{OT} \times H_{OT}) + \text{Tips}
Federal Taxable Income (2020+ W-4) 10
\text{Taxable}_{\text{fed}} = \max\!\left(0,\; \text{Annual Gross} - \text{Pre-tax}_{\text{fed}} + \text{4a} - \text{4b} - \text{Std. Deduction}\right)
Federal Withholding Per Period 8
\text{Fed}_{\text{period}} = \frac{\max\!\left(0,\; T(\text{Taxable}_{\text{fed}}) - D \times \text{\$2,200}\right)}{\text{Pay Periods}} + \text{Extra W/H}
Arizona State Tax Withholding (A-4) 1
\text{AZ}_{\text{period}} = r_{A4} \times (\text{Gross}_{\text{period}} - \text{Pre-tax}_{\text{fed}}) + \text{Addl. State}
FICA Taxes Per Period 5
\text{SS} = \frac{\min(W_{\text{annual}},\;\text{\$184,500}) \times 6.2\%}{N}, \quad \text{Med} = \frac{W_{\text{annual}} \times 1.45\%}{N} + \frac{(W_{\text{annual}} - \text{\$200,000})^{+} \times 0.9\%}{N}
Net Take-Home Pay
\text{Net} = \text{Gross}_{\text{period}} - \text{Fed} - \text{AZ} - \text{SS} - \text{Med} - \text{Pre-tax} - \text{Post-tax}
Effective Tax Rate
\text{Eff. Rate} = \frac{\text{Fed} + \text{AZ} + \text{SS} + \text{Med}}{\text{Gross}_{\text{period}}} \times 100\%

Frequently asked questions

What is the Arizona state income tax rate?

Arizona has a flat state income tax rate of 2.5%. Every worker pays the same rate no matter how much they earn. However, the amount withheld from your paycheck depends on what you choose on your Arizona A-4 form, which offers 0.5% to 3.5%, or a withholding percentage of zero if you expect no Arizona tax liability for the year.1

What is the Arizona A-4 form and how do I pick a rate?

Form A-4 is the Arizona form where you choose what percentage of your gross taxable wages is withheld for state income tax.1 You can pick 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0% or 3.5%, add an extra dollar amount per paycheck, or elect a withholding percentage of zero if you expect no Arizona tax liability.1 If you do not turn in the form, your employer withholds 2.0%.1 If you pick more than the actual 2.5% tax rate, you may get a refund when you file. If you pick less, you may owe money at tax time.

Why does my A-4 withholding rate differ from the actual 2.5% tax rate?

The A-4 withholding rate is how much your employer takes out of each paycheck for Arizona taxes. It is not the same as the actual tax you owe. You can withhold more than 2.5% to get a larger refund, or less if you prefer more money in each paycheck and are okay with possibly owing at tax time.

Does Arizona have local or city income taxes?

No. Arizona does not have any local, city, or county income taxes. The only state-level income tax on your paycheck is the flat 2.5% Arizona state tax. This keeps your take-home pay higher compared to states that charge local taxes.

How is federal income tax calculated on my Arizona paycheck?

Federal income tax is based on your filing status, annual taxable income, and the federal tax brackets. The calculator takes your gross pay, subtracts pre-tax deductions and your standard deduction, then applies the 2026 federal tax brackets, which run from 10% to 37%.9 That gives your annual tax. That total is divided by the number of pay periods to get the amount withheld per paycheck.

What are FICA taxes and how much do I pay?

FICA taxes fund Social Security and Medicare. You pay 6.2% of your wages for Social Security (up to $184,500 per year) and 1.45% for Medicare on all wages.5 Your employer withholds an extra 0.9% Medicare tax on wages above $200,000 in a year, whatever your filing status.5

What happens when my wages go above the Social Security wage base?

Once your total wages for the year pass $184,500, you stop paying the 6.2% Social Security tax on any earnings above that amount.5 Medicare tax still applies to all your wages with no cap.

What is the difference between pre-tax and post-tax deductions?

Pre-tax deductions are taken out before taxes are calculated. They lower your taxable income, so you pay less in taxes. Examples include health insurance premiums, traditional 401(k) contributions, and HSA contributions. Post-tax deductions are taken out after taxes. They do not reduce your tax bill. Examples include Roth 401(k) contributions, wage garnishments, and union dues.

How does a 401(k) contribution affect my Arizona paycheck?

A traditional 401(k) contribution is a pre-tax deduction. It reduces the income that federal income tax is calculated on, so you pay less in federal taxes each paycheck. However, it does not reduce your Social Security or Medicare taxes.11 A Roth 401(k) is post-tax, so it does not lower any of your taxes but grows tax-free in retirement.

How does overtime pay work in Arizona?

Under federal law, covered employees who are not exempt must get at least time and one-half their regular rate for hours worked over 40 in a workweek.7 That is 1.5 times the regular hourly rate. This calculator lets you enter your overtime rate and hours so the extra pay is included in your gross and taxed correctly.

How are tips taxed in Arizona?

Tips are added to your gross income and taxed like regular wages. Federal income tax, Arizona state tax, Social Security, and Medicare all apply to your tips. Arizona's minimum wage is $15.15 per hour.2 If your base pay plus tips comes out to less than that, your employer must make up the difference.12

What is the minimum wage in Arizona?

The Arizona minimum wage is $15.15 per hour.2 Employers of tipped workers can pay a cash wage of $12.15 per hour, but pay including tips must reach at least $15.15 per hour.3 If it does not, the employer must pay the gap.

Can I be exempt from certain taxes on my paycheck?

Yes, in some cases. You can claim exemption from federal income tax withholding for 2026 only if you had no federal income tax liability in 2025 and expect none in 2026.8 Some workers, like certain religious groups or government employees, may be exempt from Social Security or Medicare. Use the Tax Exemptions section of this calculator to toggle each exemption on or off.

What does the effective tax rate mean?

Your effective tax rate is the total percentage of your gross pay that goes to taxes. It combines federal income tax, Arizona state tax, Social Security, and Medicare into one number. It gives you a quick way to see how much of every dollar you earn goes to taxes overall.

What is the difference between gross pay and net pay?

Gross pay is your total earnings before anything is taken out. Net pay (also called take-home pay) is what you actually receive after federal taxes, state taxes, FICA taxes, and all deductions are subtracted. This calculator shows both so you can see exactly where your money goes.

How does pay frequency affect my paycheck amount?

Your pay frequency determines how many paychecks you get per year. If you are paid bi-weekly, you get 26 paychecks. If you are paid monthly, you get 12. Your annual salary stays the same, but each individual paycheck is larger with fewer pay periods and smaller with more. Tax withholding per check also adjusts based on frequency.

What W-4 version should I choose?

If you started a new job or updated your W-4 in 2020 or later, choose 2020+ W-4. This version uses steps for other income, deductions, and extra withholding instead of allowances. If you have not updated your W-4 since before 2020, choose Pre-2020 W-4, which uses the older allowance system.

What is Arizona SUI and what rate applies?

SUI stands for State Unemployment Insurance. In Arizona, employers pay SUI tax on the first $8,000 of each worker's annual wages.4 New employers pay a default rate of 2.0%. Experienced employers may have a different rate based on their claims history, which can range from 0.08% to 11.80%.

How do I calculate my hourly rate from my salary?

Divide your annual salary by 2,080 (which is 40 hours per week times 52 weeks). For example, a $65,000 salary equals about $31.25 per hour. This calculator shows this conversion automatically when you enter a salary.

What are the role presets and how do they work?

The role presets are quick-fill buttons that auto-fill typical pay information for common jobs in Arizona. For example, clicking "Warehouse Worker" sets an hourly wage of $18.50 and clicking "Software Developer" sets an annual salary of $105,000. They save time so you do not have to look up average pay for these roles.

Sources

  1. Form A-4 (2026), Arizona Withholding Percentage Election. Arizona Department of Revenue. 2026. Accessed September 11, 2026.
  2. State Minimum Wage Laws. U.S. Department of Labor, Wage and Hour Division. Accessed September 11, 2026.
  3. Minimum Wages for Tipped Employees. U.S. Department of Labor, Wage and Hour Division. Accessed September 11, 2026.
  4. Arizona Revised Statutes § 23-622, Wages; definition. Arizona State Legislature. Accessed September 11, 2026.
  5. Topic no. 751, Social Security and Medicare withholding rates. Internal Revenue Service. Accessed September 11, 2026.
  6. Topic no. 560, Additional Medicare tax. Internal Revenue Service. Accessed September 11, 2026.
  7. Overtime Pay. U.S. Department of Labor, Wage and Hour Division. Accessed September 11, 2026.
  8. Form W-4 (2026), Employee's Withholding Certificate. Internal Revenue Service. 2026. Accessed September 11, 2026.
  9. IRS releases tax inflation adjustments for tax year 2026, including amendments from the One, Big, Beautiful Bill. Internal Revenue Service. 2025;IR-2025-103. Accessed September 11, 2026.
  10. Publication 15-T (2026), Federal Income Tax Withholding Methods. Internal Revenue Service. Accessed September 11, 2026.
  11. Topic no. 424, 401(k) plans. Internal Revenue Service. Accessed September 11, 2026.
  12. Fact Sheet #15: Tipped Employees Under the Fair Labor Standards Act (FLSA). U.S. Department of Labor, Wage and Hour Division. Accessed September 11, 2026.
  13. Schedule SE (Form 1040), Self-Employment Tax. Internal Revenue Service. Accessed September 11, 2026.

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