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Arizona Paycheck Calculator

Estimate your 2026 take-home pay after federal tax, FICA, and Arizona state tax

Estimate only — not tax advice. Single-filer assumption, based on standard federal/state calculations. See methodology below for source and last-verified date. For your exact withholding, consult a tax professional or your payroll department.

How to Calculate Your Arizona Take-Home Pay

  1. Start with your gross annual salary.
  2. Subtract the 2026 federal standard deduction ($16,100 single) to get taxable income, then apply the 2026 federal brackets (10%-37%).
  3. Subtract FICA: 6.2% Social Security (up to the $184,500 wage base) + 1.45% Medicare (all wages, +0.9% above $200,000).
  4. Subtract Arizona's $16,100 standard deduction from gross wages, then apply the flat 2.50% state rate.
  5. What's left is your net take-home pay.

Example: $65,000/year gross salary, single filer, Arizona resident.

  1. Federal tax: $5,620
  2. FICA: $4,972.5
  3. Arizona state tax: ($65,000 - $16,100 deduction) × 2.50% = $1,222.5
  4. Net annual pay: $65,000 - $11,815 = $53,185 (≈$4,432.08/month)

How Arizona Paycheck Tax Is Calculated (2026)

Source: Arizona Department of Revenue
Flat state rate2.50%
Standard deduction (single)$16,100
state_tax = max(0, gross_income - 16100) × 0.025

Federal Tax & FICA (shared across all states)

Federal standard deduction (single)$16,100
Federal brackets10% / 12% / 22% / 24% / 32% / 35% / 37%
Social Security6.2% up to $184,500 wage base
Medicare1.45% on all wages, +0.9% above $200,000

Guideline version 2026-AZ-v1 · Last verified 2026-07-26

Arizona Paycheck Calculator FAQ

What is Arizona's state income tax rate?

Arizona charges a flat 2.50% rate for tax year 2026. Standard deduction: $16,100 for single filers.

How much is take-home pay on $65,000 in Arizona?

On a $65,000 gross salary, a single filer in Arizona takes home roughly $53,185/year (about $4,432.08/month) after federal tax, FICA, and state tax.

What deductions does Arizona apply before taxing my income?

Arizona applies a $16,100 standard deduction, before the flat 2.50% rate. See the "How Arizona Paycheck Tax Is Calculated" section above for the exact formula.

Does this estimate change if I'm married or have dependents?

This calculator uses single-filer figures only (v1 scope). Married filing jointly typically uses different federal and Arizona state brackets and a larger standard deduction — your actual take-home pay will differ. Dependents can also reduce federal withholding via the W-4. Check Arizona Department of Revenue's married-filing-jointly tables for a precise figure.

Methodology & Source

Arizona state tax figures sourced from Arizona Department of Revenue (https://azdor.gov/), citing Ariz. Rev. Stat. § 43-1011 — flat 2.5% rate effective 2023. Federal brackets and FICA constants sourced from the IRS (Revenue Procedure 2025-32).

This is an estimate based on standard single-filer federal, FICA, and AZ state calculations. Actual withholding may differ based on your W-4 elections, pre-tax deductions, and other factors. Arizona conforms closely to the federal standard deduction; this estimate applies it directly.

Guideline version: 2026-AZ-v1 · Effective: 2023-01-01 · Last verified: 2026-07-26