Arizona Take-Home Pay Calculator

Arizona replaced its graduated brackets with a single 2.5% rate beginning with the 2023 tax year, and that rate continues for 2026. Every dollar of taxable income is taxed the same, whether you earn $30,000 or $250,000, and no Arizona city or county adds an income tax of its own.

Arizona starts from federal adjusted gross income, so traditional 401(k) contributions and payroll HSA deposits lower Arizona taxable income the same way they lower federal. In our estimate a single filer then subtracts a $16,100 standard deduction and a married couple $32,200, the same amounts as the federal return. Arizona has no personal exemption; it offers a dependent tax credit instead.

A large deduction and a low rate keep the effective rate small. It is 1.16% at $30,000, 1.96% at $75,000, and 2.34% at $250,000, and it never quite reaches the 2.5% statutory rate.

Take $75,000 of wages and subtract the $16,100 standard deduction, leaving $58,900 of Arizona taxable income. At 2.5%, Arizona tax is $1,473, or 1.96% of salary. That is the whole state calculation: no brackets, no exemption phase-outs, no credits in the base case.

The federal return starts from the same $58,900. Ten percent applies to the first $12,400, twelve percent to the next $38,000, and 22% to the final $8,500, for $7,670 of federal income tax. Social Security adds $4,650 and Medicare $1,088. That leaves $60,119 in your pocket over the year, roughly $5,010 per month. The Arizona $75,000 salary page splits it into weekly and biweekly checks.

Because both returns share the same taxable income at this level, a quick check works for most single filers: Arizona tax is about 2.5% of the taxable income line on your federal Form 1040.

Arizona does not run your pay through a bracket formula. Form A-4 asks you to pick one percentage from a short list printed on the form, and your employer withholds that share of your gross taxable wages every pay period. You can also add a flat extra dollar amount per check. If you never turn in an A-4, your employer applies a default percentage set by the Arizona Department of Revenue.

The percentage applies to gross pay, but the tax applies only to income above the standard deduction. The right election therefore depends on your salary: Arizona tax equals 1.16% of gross pay at $30,000, 1.96% at $75,000, and 2.34% at $250,000. Choose the listed rate closest to your own effective rate, and round up if you have side income with nothing withheld.

Revisit your A-4 after a big raise or a second job. A percentage that fit an entry-level salary under-withholds at six figures, while one chosen for a high salary over-withholds after a pay cut and turns into a refund you waited a year for.

Phoenix, Tucson, Mesa, and Flagstaff paychecks all match the statewide figures, since Arizona has no local income taxes and no state disability or paid family leave deduction. Beyond the 2.5% tax, your stub shows only federal income tax, Social Security, and Medicare.

Arizona has no reciprocity agreements with its neighbors. If you live in Arizona and work in California, both states can tax those wages; one of them credits the other's tax, so you end up paying roughly the higher of the two bills, which is usually California's. Nevada residents who cross into Bullhead City or Kingman for work owe Arizona tax on those wages.

If you live in Arizona and work remotely for an employer elsewhere, Arizona taxes that pay. When the employer is not set up to withhold Arizona tax, make quarterly payments with Form 140ES to avoid an underpayment penalty.

At $75,000 a single Arizona worker keeps $60,119, 12th among the 50 states and DC, and the state holds 11th place at $150,000. Nevada, with no income tax, leaves $1,473 more. Every other neighbor takes more than Arizona: New Mexico's brackets leave $886 less, Colorado's flat 4.4% $1,119 less, California $1,192 less, and Utah's flat 4.45% $1,630 less.

California is the comparison most Arizona movers make, and the gap widens with pay because California's rates climb toward 13.3% while Arizona's stays at 2.5%. See Arizona vs California and Arizona vs Nevada for side-by-side numbers.