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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Net annual pay
$76,889
Net monthly pay
$6,407
Net biweekly pay
$2,957
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 | $2,291 | 2.3% |
| Total tax | $23,111 | 23.1% |
Effective tax rate: 23.1%. Marginal federal rate: 22.0%. Marginal state rate: 2.5% in Arizona.
Where your money goes
Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.
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 | $1,666 | $59,926 | 20.1% |
| $100,000 | $13,170 | $7,650 | $2,291 | $76,889 | 23.1% |
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 $8,350 for single filers and $16,700 for married couples filing jointly — Arizona conforms to the pre-OBBBA federal standard deduction amounts rather than the newer, higher federal 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? ▼
Data sources
- LevyIO 2026 State Income Tax Dataset
- Arizona State Tax Overview
- IRS 2026 inflation adjustments (IR-2025-103)
Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.