AZ · tax year 2026 · updated August 24, 2026
Arizona paycheck calculator (2026)
Arizona taxes resident wages at a single 2.5% rate after a state standard deduction we encode; there is no personal exemption in this model. That flat map is why a Phoenix-metro or remote Arizona stub often moves more when you change federal filing status or a 401(k) than when you nudge taxable pay a few thousand dollars. Takehome Cash is built for US W-2 employees comparing desert offers or a relocation from California, not for Arizona Form 140. Browser-side math uses 2026 IRS brackets, the SSA $184,500 wage base, and the Tax Foundation 2026 flat-rate table. Local city income taxes are not added — Arizona does not impose them on wages the way some Midwest cities do. Estimate only.
Your pay
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That’s $80,000.00 a year.
Taxed as supplemental wages (22% federal flat, plus FICA and a simplified state line).
Estimated take-home
per year
| Item | Annual |
|---|---|
| Gross | $80,000.00 |
| Federal income tax | $8,770.00 |
| Social Security | $4,960.00 |
| Medicare | $1,160.00 |
| State income tax | $1,791.25 |
| Total tax | $16,681.25 |
| Net / take-home | $63,318.75 |
Estimate only — not tax advice or full tax software. 2026 federal brackets and a simplified state model. Locals other than optional NYC, CA SDI, and WA Cares are omitted. Confirm with your pay stub or a tax professional.
Who it’s for.Arizona remote and Phoenix-metro W-2 employees checking a flat-rate paycheck after the standard deduction.
This is a W-2 style withholding approximation, not a full Arizona Form resident return. We annualize your pay, subtract pretax 401(k) and section 125 health premiums from federal wages (health premiums also reduce FICA wages), apply the 2026 IRS standard deduction, then apply Arizona’s published rate structure. We do not model local city or county income taxes, itemized deductions, or most credits.
Use the calculator to compare pay frequencies (hourly through annual), pretax 401(k) as a percent or a dollar amount per paycheck, and optional extra federal withholding. Last reviewed against IRS, SSA, and Tax Foundation 2026 publications on August 24, 2026.
Figures are for tax year 2026. If your employer uses a different state withholding method (percentage method vs. wage-bracket tables), your live paycheck can differ by a few dollars even when annual liability is similar.
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Arizona paycheck FAQ
Does Arizona have a state income tax on wages?
Yes. Arizona has a flat 2.5% state income tax on taxable wage income in 2026. Local income taxes, if any, are not included in this estimate.
What Arizona income tax rate does this calculator use for 2026?
A single rate of 2.5% after the deductions and exemptions listed in our methodology.
Is this my actual take-home pay?
No. It is an estimate of typical W-2 withholding. It omits local taxes (except a note on New York City), most credits (including the federal Child Tax Credit), unemployment insurance, wage-garnishment, and employer-specific benefits. Use it to plan, not to file.
Does a 401(k) contribution reduce Social Security tax?
Usually no. Traditional 401(k) deferrals reduce federal (and often state) taxable wages, but they remain subject to Social Security and Medicare. Pre-tax health insurance premiums under a cafeteria plan generally reduce FICA wages as well.