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Arizona Paycheck Calculator

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Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of Arizona Taxes

The Grand Canyon state has a progressive tax system, with the rate you pay depending on your income. There are five tax brackets that range from 2.59% and 4.54%. There are no local income taxes. Of course, you’ll have federal taxes deducted from each paycheck along with your state taxes.

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Your estimated -- take home pay:
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Taxes --% $--
Federal Income --% $--
State Income --% $--
Local Income --% $--
FICA and State Insurance Taxes --% $--
Social Security --% $--
Medicare --% $--
State Disability Insurance Tax --% $--
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State Workers Compensation Insurance Tax --% $--
Pre-Tax Deductions --% $--
Post-Tax Deductions --% $--
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  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

    ...read more
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Arizona Paycheck Quick Facts
  • Arizona income tax rate: 2.59% - 4.54%
  • Median household income: $53,510 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Arizona Paycheck Works

Like every other state, employers in Arizona will withhold federal income and FICA taxes from your paychecks. That money goes to the IRS, who then divvies it up into Social Security, Medicare and, of course, your annual income taxes. Based on the information you provide on your W-4 form (which you need to fill out every time your filing status changes or you get a new job), your employer will withhold a certain amount of taxes.

Because President Trump signed a new tax plan into law in December 2017, you may have noticed a change in your paycheck calculations between 2017 and 2018. There shouldn’t be any new changes for 2019 but if you didn’t check your W-4 in 2018, you may want to do so in early 2019 to ensure that the information is all up to date.

Making pre- and post-tax deductions will also impact how much is withheld from your paycheck. For example, if your employer has a 401(k) plan and you contribute to it, your contributions will come right out of your paycheck. The money you contribute to a 401(k) plan will be deducted before taxes are taken out. This lowers your taxable income and could be a good way for you to save on your taxes. You could also put money in a health savings account or flexible spending account. Again, this money will be deducted pre-tax.

Arizona Median Household Income

YearMedian Household Income
2017$53,510
2016$51,340
2015$50,255
2014$50,068
2013$48,510
2012$47,826
2011$46,709
2010$46,789
2009$48,745
2008$50,958
2007$49,889
2006$47,265

Filing as a single person in Arizona, you will get taxed at a rate of 2.59% on your first $10,346 of taxable income; 2.88% up to $25,861; 3.36% up to 51,721; 4.24% up to $155,159 and 4.54% on income beyond $155,159. Note that these are marginal tax rates, so the rate in question only applies to the income that falls in that bracket. If you decide to file jointly or you’re the head of household (as in you’re the only one in your casa who is earning taxable income), the income brackets are roughly doubled and the tax rates are the same.

If you work in certain industries, your employer might not have to withhold Arizona taxes. If you have a spouse in the Armed Forces who is in Arizona on military orders, then you might be exempt. You will need to prove that you’re in the state solely to join your spouse and that you and your spouse maintain a domicile in another state. Other industries that are exempt from withholding include seasonal agricultural workers, motion picture production employees or non-residents who are in Arizona temporarily to help with disaster recovery.

Income Tax Brackets

Single Filers
Arizona Taxable IncomeRate
$0 - $10,3462.59%
$10,346 - $25,8612.88%
$25,861 - $51,7213.36%
$51,721 - $155,1594.24%
$155,159+4.54%
Married, Filing Jointly
Arizona Taxable IncomeRate
$0 - $20,6902.59%
$20,690 - $51,7212.88%
$51,721 - $103,4403.36%
$103,440 - $310,3174.24%
$310,317+4.54%
Married, Filing Separately
Arizona Taxable IncomeRate
$0 - $10,3462.59%
$10,346 - $25,8612.88%
$25,861 - $51,7213.36%
$51,721 - $155,1594.24%
$155,159+4.54%
Head of Household
Arizona Taxable IncomeRate
$0 - $20,6902.59%
$20,690 - $51,7212.88%
$51,721 - $103,4403.36%
$103,440 - $310,3174.24%
$310,317+4.54%

How You Can Affect Your Arizona Paycheck

The simplest way to change the amount of your paycheck is to adjust the allowances on your W-4. Updating your allowances is also a good idea if you have experienced a big life change. For example, maybe you just got married, had a child or purchased a home. (If you are considering purchasing a new property with a home loan, or refinancing a current home loan, take a look at our guide to Arizona mortgage rates.) Play around with the paycheck calculator and add or subtract personal allowances for a more accurate estimate.

If you want to further tweak your paycheck, you can ask your employer to withhold a certain dollar amount, on top of your allowances. This is useful if you’ve changed your allowances and find that you’re still getting a big refund.

If you think you might owe a lot of taxes come tax season, you can get more withheld from each paycheck throughout the year. All you have to do is ask your employer to do so on the appropriate line of the W-4. You can specify a dollar amount to be withheld. Yes, you’ll be getting a smaller paycheck, but you might thank yourself later when you end up avoiding paying a huge lump sum in April.

If you work overtime, keep in mind that you may actually be taking home a smaller paycheck than you expect if your extra income pushes you into a higher tax bracket. Do some quick calculations to see if the extra hours are worth it to you.

As mentioned above, modifying your pre-tax contributions will also affect the amount of taxes withheld. Think about saving more in your retirement accounts or medical accounts.

Arizona Top Income Tax Rate

YearTop Income Tax Rate
20184.54%
20174.54%
20164.54%
20154.54%
20144.54%
20134.54%
20124.54%
20114.54%
20094.54%
20084.54%
20074.79%
20065.04%

Most Paycheck Friendly Places

SmartAsset's interactive map highlights the most paycheck friendly counties across the country. Zoom between states and the national map to see data points for each region, or look specifically at one of the four factors driving our analysis: Semi-Monthly Paycheck, Purchasing Power, Unemployment Rate, and Income Growth.

Worse
Better
Rank County Semi-Monthly Paycheck Purchasing Power Unemployment Rate Income Growth

Methodology Our study aims to find the most paycheck friendly places in the country. These are places in the country with favorable economic conditions where you get to keep more of the money you make. To find these places we considered four different factors: semi-monthly paycheck, purchasing power, unemployment rate and income growth.

First, we calculated the semi-monthly paycheck for a single individual with two personal allowances. We applied relevant deductions and exemptions before calculating income tax withholding. To better compare withholding across counties we assumed a $50,000 annual income. We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden.

We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living. We also created an unemployment rate index that shows the counties with the lowest unemployment. For income growth, we calculated the annual growth in median income over five years for each county and indexed the results.

Finally, we calculated the weighted average of the indices to yield an overall paycheck friendliness score. We used a one half weighting for semi-monthly paycheck and a one-sixth weighting for purchasing power, unemployment rate and income growth. We indexed the final number so higher values reflect the most paycheck friendly places.

Sources: SmartAsset, government websites, US Census Bureau 2017 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics