Arizona Paycheck Calculator

Arizona works differently from every other state: instead of a fixed formula, you choose your own withholding percentage on Form A-4 — 0.5%, 1%, 1.5%, 2%, 2.5%, 3%, or 3.5% of your gross taxable wages, or elect 0% if you expect no Arizona tax liability. If you don't file an A-4, your employer withholds 2.0% by default. Your elected rate doesn't have to match Arizona's actual 2.5% income tax rate — many people choose a higher rate to avoid owing money at filing time.

Pay type

Annual salary

Pay frequency

State

Federal filing status (W-4 Step 1)

Multiple jobs or spouse works (W-4 Step 2 checkbox)Check if you hold more than one job or file jointly and your spouse also works.

Arizona withholding percentage (Form A-4)

W-4 Steps 3–4: dependents, other income, deductions

Dependents credit (Step 3, annual)

$2,000 per qualifying child under 17.

Other income (Step 4a, annual)

Deductions beyond standard (Step 4b, annual)

Extra withholding (Step 4c, per paycheck)

Benefits & deductions (per paycheck)

Your age

Only used to check 401(k)/HSA catch-up contribution limits — optional.

Traditional 401(k)

HSA contribution

HSA coverage type

Family coverage has a higher IRS contribution limit.

Health FSA

Health insurance premiums

Post-tax deductions

Roth 401(k), garnishments, and other after-tax amounts.

Estimated take-home pay

$2,311per biweekly paycheck

$60,093 per year ·

Take-home 80.1%Federal 10.2%FICA 7.7%State 2.0%

In a no-income-tax state like Texas, the same pay would take home about $1,500 more per year.

Arizona withholding is an employee-elected flat percentage (Form A-4) of gross taxable wages (gross wages less pretax deductions), not tied to Arizona's actual 2.5% tax rate. Employers withhold 2.0% by default if no A-4 is on file.

How Arizona taxes your paycheck in 2026

State income tax rate: 2.5% (your actual liability)
Withholding method: You elect 0%–3.5% on Form A-4 (default 2.0%)
Local income tax: None anywhere in Arizona

Arizona paycheck FAQs

Why do I get to choose my own withholding percentage in Arizona?

Arizona simplified its withholding system to a flat menu of employee-elected percentages rather than a formula-based calculation. Since your elected rate doesn't have to match the actual 2.5% tax rate, you can choose higher to build a refund cushion or lower if you have deductions that reduce your real liability.

What happens if I don't file Form A-4?

Your employer is required to withhold at a 2.0% default rate on your gross taxable wages until you submit a completed A-4.

What are 'gross taxable wages' for Arizona withholding?

It's the wage figure that generally shows up in Box 1 of your W-2 — your gross wages minus pretax deductions like 401(k) contributions or your share of health insurance premiums.

Tax data verified 2026-07-21 against the official source. See our methodology.