Arizona Paycheck Calculator (2026)

Work out 2026 Arizona take-home pay per paycheck: federal withholding (Pub 15-T), Social Security, Medicare and your Arizona A-4 withholding rate.

Pay basis Annual salary Hourly

Annual salary ($ per year)

Hourly rate ($ per hour)Used when pay basis is hourly

Hours per weekRegular straight-time weekly hours, at most 40. Overtime and supplemental wages are outside this estimate.

Pay frequency

W-4 filing status

W-4 Step 2 box checked (two jobs)

W-4 Step 3 credits ($ per year)Child and dependent credit amount from Step 3

W-4 Step 4(a) other income ($ per year)

W-4 Step 4(b) deductions ($ per year)

W-4 Step 4(c) extra withholding ($ per paycheck)

Regular pre-tax 401(k)/403(b) contribution (% of gross)Percent of gross; annual deferrals cannot exceed $24,500. Catch-up, Roth and other-plan contributions are excluded.

Eligible Section 125 health deduction ($ per paycheck)Per paycheck, only amounts excluded from both income-tax and FICA wages. Enter only an amount already confirmed as allowable under your plan.

Arizona Form A-4 withholding rate

Extra Arizona withholding ($ per paycheck)

Estimate average 2026 Arizona take-home pay for one employer paying the same regular wages throughout the year. Federal withholding follows Publication 15-T and a 2020-or-later W-4; state withholding follows the A-4 election. Social Security and Medicare are annual totals divided by pay periods, so checks crossing wage thresholds will differ from this average.

How to use this tool

Enter salary or straight-time hourly pay for up to 40 hours weekly, and select pay frequency.
Copy filing status and Steps 2–4 from your current W-4.
Enter regular pre-tax retirement and eligible Section 125 health deductions.
Choose the A-4 percentage and any permitted extra withholding.

Formula

Average take-home = gross − pre-tax deductions − federal withholding − Social Security − Medicare − Arizona withholding

Federal taxable pay excludes permitted retirement and health deductions. Apply the 2026 annual percentage-method table after W-4 adjustments, subtract Step 3 credits with a zero floor, then add Step 4(c). Retirement deferrals remain subject to FICA. Social Security is 6.2% up to $184,500; Medicare is 1.45% plus 0.9% above the employer’s $200,000 withholding threshold. A-4 percentages apply to wages generally reported in W-2 box 1.

Example

With $60,000 annual salary, single status, 26 paychecks, no adjustments and A-4 at 2%, gross is $2,307.69. Federal withholding is $193.08, Social Security $143.08, Medicare $33.46 and Arizona withholding $46.15. Average take-home is $1,891.92.

Frequently asked questions

Is the A-4 default the final state tax rate?

No. The 2% default is withholding on taxable wages, not a calculation of annual liability. Compare your expected tax, credits and withholding before choosing an election. Zero requires expecting no Arizona tax liability and must be renewed annually.

How should I complete the W-4 amounts?

Copy the actual form. For exactly two jobs using Step 2(c), both forms need that checkbox. Complete Steps 3–4(b) on only one form. Use the W-4 deductions worksheet for eligible tips, overtime and other deductions; do not simply enter gross tips or overtime.

What is outside this estimate?

Overtime, bonuses, part-year employment, multiple-employer FICA, pre-2020 W-4s, federal exemptions, nonresident adjustments, Roth and after-tax deductions need other methods. Regular retirement deferrals are limited to $24,500; catch-ups are excluded. Enter only health contributions already confirmed allowable under your plan.

Sources

This tool gives an estimate for general information only. It is not financial, tax, legal or medical advice — check with a qualified professional before you rely on the result.

Last updated: 2026