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Arizona Paycheck Calculator 2026

Estimate your 2026 Arizona take-home pay. Arizona employees choose a flat withholding percentage on Form A-4 (0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0% or 3.5%) that is applied to gross taxable wages; without a Form A-4 the default is 2.0%.

1Your pay
2Federal W-4 (2020 or later)
More W-4 options

Take-home pay

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Per year
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Total tax rate
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    Full breakdown
    ItemPer paycheckPer year

    Estimate only, not tax advice. Your employer's payroll may differ by a few cents because of rounding, and your actual tax is settled when you file.

    3Pre-tax deductions Optional
    4Arizona A-4

    How your Arizona paycheck is calculated

    Arizona withholding

    Arizona withholding = your elected A-4 percentage × gross taxable wages (generally box 1 of Form W-2: gross pay minus pre-tax deductions such as 401(k) and health premiums), plus any extra amount you request. You can also elect zero if you expect no Arizona tax liability.

    Federal income tax, Social Security and Medicare

    Federal withholding uses the IRS 2026 percentage method for automated payroll systems (Publication 15-T, Worksheet 1A). Social Security is 6.2% of wages up to the $184,500 wage base, and Medicare is 1.45% of all wages plus 0.9% Additional Medicare Tax on wages above $200,000. Per-paycheck Social Security and Medicare are shown as a yearly average: if you pass the wage base, your later paychecks will show none.

    What this calculator does not include

    This estimate does not cover bonuses or other supplemental wages, multiple jobs, Roth (after-tax) contributions, HSA payroll contributions, wage garnishments, or tips and overtime deductions unless you enter them on Form W-4 Step 4(b). See the methodology for details.

    Frequently asked questions

    What happens if I never filled out an Arizona A-4?

    Your employer must withhold 2.0% of your gross taxable wages until you submit a Form A-4 (Arizona DOR).

    Which A-4 rate should I choose?

    Arizona's 2026 individual income tax rate is a flat 2.5%; choosing a rate close to your expected tax divided by your taxable wages reduces the chance of a big refund or balance due.

    How is federal income tax withholding calculated?

    We follow Worksheet 1A of IRS Publication 15-T (2026) for a 2020-or-later Form W-4: your taxable pay is annualized, adjusted by the Form W-4 entries (Step 2 checkbox, Step 3 credits, Step 4 other income, deductions and extra withholding), run through the 2026 percentage-method table for your filing status, and divided back by your number of paychecks. Our engine reproduces all 4,350 cells of the IRS 2026 wage-bracket tables for weekly, biweekly, semimonthly and monthly pay.

    Why does Social Security stop at $184,500?

    For 2026 the Social Security (OASDI) wage base is $184,500 (SSA). The 6.2% employee tax applies only to wages up to that amount each year. Medicare (1.45%) has no cap, and employers must withhold an extra 0.9% Additional Medicare Tax on wages above $200,000 in the year, regardless of filing status.

    Is withholding the same as the tax I will owe?

    No. Withholding is an estimate taken from each paycheck. Your actual tax is settled when you file your return and depends on all your income, deductions and credits, so you may get a refund or owe more.

    Official sources

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