What is Arizona's income tax rate?

Arizona uses a single flat rate of 2.5% on taxable income for all filers, in effect since the 2023 tax year. This replaced the old graduated brackets, making Arizona one of the lowest flat-tax states in the country.

Does this include federal tax and FICA?

Yes. The calculator applies the 2025 federal income tax brackets and the standard deduction, plus the 6.2% Social Security tax up to the wage base and the 1.45% Medicare tax, so the net figure reflects all mandatory deductions.

Does Arizona use the federal standard deduction?

Arizona allows a standard deduction that matches the federal amounts — 14,600 dollars for single filers and 29,200 dollars for married filing jointly (indexed annually). The calculator subtracts it before applying the 2.5% rate.

Are 401(k) contributions taxed in Arizona?

Traditional 401(k) contributions are excluded from both federal and Arizona taxable income, so the calculator subtracts them before computing income tax. They are still subject to Social Security and Medicare tax.

How accurate is the estimate?

It is a close estimate using current brackets, the standard deduction, and Arizona's flat rate. Your real paycheck can differ slightly due to additional withholding, health premiums, or other pre-tax benefits not modelled here.

Arizona Paycheck Calculator

Email me this result

Get this tool's output sent to your inbox, plus one useful tool a week. No spam, unsubscribe any time.

Arizona is a low-tax state for wage earners thanks to its flat 2.5% income tax, adopted in 2023 to replace the old graduated brackets. But your real take-home pay also depends on federal income tax and FICA (Social Security and Medicare), which together take a far larger bite than the state does. This calculator combines all of them to estimate what actually lands in your bank account each pay period.

How it works

The calculator annualises your gross pay, then computes each deduction in turn:

Pre-tax deductions. Traditional 401(k) contributions are subtracted from gross pay before income tax, lowering both federal and Arizona taxable income.
Federal income tax. Applies the 2025 standard deduction for your filing status, then the federal brackets (10% to 37%) to the remaining taxable income.
Arizona state tax. Subtracts Arizona’s standard deduction (matching the federal amount), then applies the flat 2.5% rate to the remaining taxable income.
FICA. Social Security at 6.2% on wages up to the annual wage base, and Medicare at 1.45% on all wages.

The annual net is then divided back down to your chosen pay frequency.

Tips and example

For a single filer earning $60,000 a year with no 401(k), Arizona’s state tax is just 2.5% of income above the standard deduction — only a few hundred dollars more than a no-income-tax state. The federal tax and the 7.65% FICA bite are what dominate your deductions. Enter a 401(k) percentage to see how pre-tax saving lowers both federal and state tax at once.

Remember this is an estimate: health insurance premiums, HSA contributions, and extra voluntary withholding will further reduce your real paycheck, while filing adjustments may change your year-end refund or balance due.