Arizona Take-Home Pay Calculator: 2.5% Flat Tax (2026)
Arizona charges a flat 2.5% state income tax — the lowest flat rate of any state that taxes wages. It took effect in 2023 after Arizona scrapped its old progressive brackets. Estimate your 2026 take-home pay after federal tax, FICA, and the 2.5% state tax.
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Pre-tax contributions (optional)
Reduces federal & most state taxes.
Reduces federal, state & FICA taxes.
Net annual pay
$77,074
Net monthly pay
$6,423
Net biweekly pay
$2,964
Estimate only — not tax advice
Results are for informational purposes only and cannot replace a CPA, tax software, or official IRS/state guidance. They exclude credits, itemized deductions, and local income taxes.
Tax breakdown
| Category | Amount | % of income |
|---|---|---|
| Federal Income Tax | $13,170 | 13.2% |
| Social Security | $6,200 | 6.2% |
| Medicare | $1,450 | 1.5% |
| State Income Tax | $2,106 | 2.1% |
| Total tax | $22,926 | 22.9% |
Effective tax rate: 22.9%. Marginal federal rate: 22.0%. Marginal state rate: 2.5% in Arizona.
Where your money goes
Deep dive into Arizona taxes
Read the full guide for rates, brackets, deductions, and tax-saving tips.
Compare with another state
See how Arizona's take-home pay ranks against another state.
Example: take-home pay on common salaries in Arizona
Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.
| Gross salary | Federal tax | FICA | Arizona tax | Net annual pay | Effective rate |
|---|---|---|---|---|---|
| $75,000 | $7,670 | $5,738 | $1,481 | $60,111 | 19.9% |
| $100,000 | $13,170 | $7,650 | $2,106 | $77,074 | 22.9% |
How Arizona taxes your income in 2026
Every dollar of Arizona taxable income is taxed at the same 2.5%, whether you earn $30,000 or $300,000. Before the flat tax, Arizona had progressive brackets topping out at 4.5%; a voter-approved 3.5% surcharge on high earners (Proposition 208) was struck down by the courts and never took lasting effect. Arizona's 2026 standard deduction is $15,750 for single filers, $31,500 for married couples filing jointly, and $23,625 for head of household — amounts that have been adjusted for inflation from pre-OBBBA federal base figures.
No local income taxes, retirement-friendly rules
Arizona cities and counties do not levy local income taxes, so the 2.5% state rate is the entire income-tax story. Social Security benefits are fully exempt from Arizona tax, and the state offers a subtraction of up to $2,500 for certain pension income. Where Arizona does collect more is at the cash register: the state transaction privilege (sales) tax is 5.6%, and combined state-plus-local rates in cities like Phoenix and Tucson run noticeably higher.
What this calculator includes (and excludes)
This estimate covers federal income tax, FICA (Social Security and Medicare), and Arizona's 2.5% flat tax with the 2026 standard deduction. It does not include itemized deductions, tax credits such as Arizona's dependent credit, or non-wage income. Sales and property taxes don't affect your paycheck but do affect your cost of living. Figures are estimates for planning purposes, not tax advice.
Frequently asked questions
What is the Arizona income tax rate in 2026? ▼
Does Arizona have local or city income taxes? ▼
Does Arizona tax Social Security benefits? ▼
How much is $75,000 after taxes in Arizona? ▼
What is Arizona's standard deduction for 2026? ▼
Can I use these numbers to file my taxes? ▼
Data sources
- Arizona Department of Revenue (via TaxFormCalculator): 2026 Arizona Tax Tables
- Tax Foundation: Arizona State Tax Overview
- IRS 2026 inflation adjustments (IR-2025-103)
Reviewed by the PayFigi research team. Last verified: 2026-08-04. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.