Arizona Paycheck Calculator
Using 2026 federal and Arizona tax figures · last checked
Short answer
A $60,000 salary in Arizona takes home about $48,890 a year — roughly $4,074 a month — after $5,020 federal income tax and $4,590 in Social Security and Medicare, plus $1,500 in Arizona state income tax. That is an effective rate of 18.5%. Figures assume a single filer taking the standard deduction, with no pre-tax deductions.
The question most people arrive with is simple: gross pay says one number, the deposit says another, where did the difference go? In Arizona the answer is federal income tax, FICA, and Arizona state tax on top. Put your gross in and the breakdown is itemised line by line.
Before any deductions.
Estimated take-home pay
$1,640.85
- Gross pay
- $2,000.00
- Federal income tax
- −$156.15
- Social Security
- −$124.00
- Medicare
- −$29.00
- Arizona state tax
- −$50.00
- Total withheld
- −$359.15
Figures on this page are estimates produced from the inputs you provide. A pay stub you generate documents what you enter; it is not a verified employment record issued by an employer. If you need official proof of income, request it from your employer or download your wage transcript free from the IRS.
Arizona income tax brackets
| Rate | Taxable income |
|---|---|
| 2.5% | All taxable income (flat rate) |
Minimum wage in Arizona: $14.35/hr
What comes out of every paycheck
FICA is the part of the stub that behaves identically in all fifty states. It splits into Social Security at 6.2%, which stops once annual wages pass $184,500, and Medicare at 1.45%, which never stops and gains an extra 0.9% above $200,000. Nothing about living in Arizona changes either figure.
Arizona moved to a flat 2.5% income tax in 2023, making paycheck calculations much simpler. Combined with no city income taxes, Arizona workers keep a larger share of their earnings than in most states.
Arizona's Flat Tax Makes Things Simple
Since 2023, Arizona charges a flat 2.5% income tax on all earnings regardless of how much you make. That is one of the lowest flat rates in the country. A nurse in Phoenix earning $75,000 pays the same 2.5% rate as a software engineer making $150,000. No brackets to worry about, no phase-outs. This simplicity extends to your paycheck — your employer withholds exactly 2.5% for state tax, plus federal and FICA. Our calculator applies this flat rate automatically.
Living and Working in Arizona in 2026
Arizona's job market has grown rapidly, especially in the Phoenix metro area. Major employers like Intel, TSMC (the new semiconductor fab), and a booming healthcare sector have pushed wages up. The $14.35 minimum wage is indexed to inflation and adjusts every January. There are no city or county income taxes in Arizona, which is a significant advantage over states like Ohio where local taxes can add another 2–3%. Property taxes are also relatively low. One thing to watch: Arizona does tax retirement income, including Social Security benefits for high earners.
Take-home pay at common salaries in Arizona
Each row below is the same calculation at a different gross. What changes is the effective rate, which runs 15.9% to 24.8% in Arizona — a consequence of graduated brackets rather than any change in the rules.
Hourly rates in Arizona
Hourly work converts to the same arithmetic once you settle on hours. At full-time — 40 a week, 2,080 a year — $22 an hour in Arizona nets about $37,804 a year.
| Hourly | Annual gross | Annual take-home | Net per hour |
|---|---|---|---|
| $14/hr | $29,120 | $24,850 | $11.95 |
| $18/hr | $37,440 | $31,327 | $15.06 |
| $22/hr | $45,760 | $37,804 | $18.18 |
| $28/hr | $58,240 | $47,520 | $22.85 |
| $35/hr | $72,800 | $58,225 | $27.99 |
| $45/hr | $93,600 | $72,338 | $34.78 |
Based on 2,080 hours a year — 40 hours a week, 52 weeks. Excludes overtime and unpaid leave.
How filing status changes it
The four filing statuses are not variations on one calculation — each has a distinct standard deduction and distinct bracket boundaries. On $60,000 that produces a $2,180 range in what you keep, topped by Married filing jointly.
| Filing status | Federal tax | Take-home |
|---|---|---|
| Single | $5,020 | $48,890 |
| Married filing jointly | $2,840 | $51,070 |
| Married filing separately | $5,020 | $48,890 |
| Head of household | $3,948 | $49,962 |
On a $60,000 salary in Arizona.
How accurate is this estimate?
Treat the result as a close estimate rather than a prediction of your next stub. Your employer withholds from the W-4 on file, which may carry extra withholding, dependant credits or a second-job adjustment this calculator does not know about. Pre-tax benefits — health premiums, retirement contributions, an HSA — also come out before tax is computed and will shift the figure.
Arizona paycheck questions
What is Arizona's income tax rate for 2026?
Arizona has a flat income tax rate of 2.5% on all taxable income, effective since tax year 2023.
Does Arizona tax Social Security benefits?
Arizona does not tax Social Security benefits for most retirees, as the state conforms to federal treatment where benefits may be partially excluded.
Are there any local income taxes in Arizona?
No. No city or county in Arizona levies a local income tax. The 2.5% flat state rate is the only income tax you pay.
How pay frequency changes your cheque
People often ask whether switching to fortnightly pay costs them more tax. It does not. Across a full year in Arizona the total is the same; the difference is cash-flow, not liability. These are the per-cheque figures on $60,000, filing single.
| Paid | Cheques/yr | Gross each | Take-home each |
|---|---|---|---|
| Weekly | 52 | $1,154 | $940 |
| Every two weeks | 26 | $2,308 | $1,880 |
| Twice a month | 24 | $2,500 | $2,037 |
| Monthly | 12 | $5,000 | $4,074 |
Turn this into a pay stub
You can hand these figures to the pay stub generator if you want them formatted. Just know the distinction: it produces a record of what you typed, not an independent confirmation of what you earned. Lenders and landlords who need the latter should be pointed at your employer or the IRS.
Open the pay stub generatorIf you need official proof of income
The free routes come first. Payroll departments must retain wage records and will usually reissue stubs on request. Failing that, the IRS provides a wage and income transcript free of charge. Both are independently verifiable in a way a document you produce yourself is not. Get an IRS transcript.