Estimate Arizona take-home pay after federal tax, FICA, and Arizona's flat 2.5% state income tax — the lowest flat rate in the US. Free, with the math shown.
Take-home pay per paycheck: $2,311.97
Take-home pay per paycheck
$2,311.97
Effective total tax rate: 19.9%
Annual paycheck breakdown
Item
Annual
Gross pay
$75,000.00
Federal income tax
−$7,670.00
Social Security (6.2%)
−$4,650.00
Medicare
−$1,087.50
State income tax (Arizona (2.5% flat))
−$1,481.25
Total tax
−$14,888.75
Net pay
$60,111.25
2026 federal tax year. Pre-tax deductions (401(k), HSA, insurance), local taxes, and state-mandated payroll contributions such as disability or paid-leave insurance are not included.
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Net pay in Arizona = gross salary minus federal withholdings minus Arizona income tax. Federal (tax year 2026, Rev. Proc. 2025-32): income tax on gross minus the standard deduction ($16,100 single / $32,200 married) run through the seven brackets (10%–37%); Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% over $200,000 (single) / $250,000 (married). Arizona applies a flat 2.5% rate to income after the Arizona standard deduction set by A.R.S. §43-1041 ($15,750 single / $31,500 married for 2025). The Department of Revenue adjusts it for inflation each year but hasn't published the 2026 amount, and its 2026 estimated-tax instructions tell filers to use the 2025 standard deduction — as this calculator does. Worked example — $60,000, single: federal income tax $5,020.00, Social Security $3,720.00, Medicare $870.00, Arizona income tax $1,106.25 ((60,000 − 15,750) × 2.5%); net $49,283.75 per year, about $1,895.53 per biweekly paycheck. Pre-tax deductions and tax credits are not modeled.
Disclaimer: This calculator provides educational estimates only and is not financial, tax, or investment advice. Figures are simplified and may not reflect your full situation — consult a qualified professional before making financial decisions.
Arizona has one of the simplest income taxes in the country: a single flat rate of 2.5% — the
lowest flat rate any US state charges. This calculator itemizes your federal withholding and the
Arizona tax for tax year 2026, shows your effective rate, and cites its sources.
How to use it
Enter your annual gross salary.
Pick your filing status.
Arizona is preselected in the state menu at its flat 2.5% rate.
Choose your pay frequency for the per-check net.
The lowest flat rate in the nation
Arizona finished phasing in its flat tax in 2023, and at 2.5% it’s the lowest flat income tax
rate among the states that levy one. Flat means the rate never changes with income — the same 2.5%
applies to the first dollar over the standard deduction and the last, which makes Arizona withholding
easy to predict. On a $60,000 salary the state takes about $1,106 for the year, a small slice
next to the roughly $9,610 of federal tax and FICA. Compare the same salary in
California, where a progressive schedule takes
noticeably more.
No local income taxes
Unlike some flat-tax states, Arizona’s cities and counties don’t add their own income taxes, so
the 2.5% state rate is the whole state-level story. That keeps the math clean: one federal W-4, one
flat state rate, no municipal return.
Limits
Covers federal income tax, FICA, and the Arizona flat rate using 2026 figures. It excludes pre-tax
deductions, tax credits, and W-4 fine-tuning. Check your refund with the
tax refund calculator; the flexible
paycheck calculator handles any state.
Last updated:
Frequently asked questions
What is the Arizona state income tax rate?
Arizona uses a single flat rate of 2.5% on taxable income — the lowest flat income tax rate of any US state. It applies the same 2.5% whether you earn $40,000 or $400,000, after the Arizona standard deduction.
How much is withheld from a $60,000 paycheck in Arizona?
For a single filer in 2026: about $5,020 federal income tax, $3,720 Social Security, $870 Medicare, and roughly $1,106 Arizona income tax — leaving about $49,284 a year, or $1,896 per biweekly check, before any 401(k) or insurance.
Does Arizona have local income taxes?
No. Arizona cities and counties do not levy their own income taxes on wages, so the flat 2.5% state rate is the only state-level income tax you pay. (Cities do levy sales taxes, but those apply to purchases, not your paycheck.)
Which tax year does this use?
Tax year 2026: the IRS federal figures from Rev. Proc. 2025-32, the SSA $184,500 Social Security wage base, and Arizona's 2.5% flat rate. For the standard deduction it uses Arizona's 2025 amount ($15,750/$31,500), as the Department of Revenue's 2026 estimated-tax instructions do, until the inflation-adjusted 2026 amount is published.
See your take-home pay per paycheck after federal income tax, Social Security, Medicare, and state tax — full annual breakdown and effective rate shown.