Paycheck · Arizona · 2026
Arizona Paycheck Calculator
Enter your pay, hours and deductions to estimate Arizona net pay per paycheck, plus weekly, biweekly, monthly and annual equivalents. Arizona withholding is chosen by the employee: on Form A-4 you elect one percentage of your gross taxable wages, from 0.5% through 3.5%, and your employer applies it to each paycheck. Without a valid Form A-4 on file, Arizona requires the employer to withhold at the default 2.0%. This is a wage-withholding estimate, not a tax-return calculation.
The selected percentage applies to the gross taxable wages of the paycheck itself — no brackets, no allowances and no federal filing status. Eligible pre-tax deductions reduce those wages first. 2.0% is the default payroll withholding election when no valid A-4 is on file; it is not Arizona's income-tax rate.
Estimated take-home pay
$2,990.36
per biweekly pay · $112,000.00 annual grossest. tax rate
- Gross pay
- $4,307.69
- Federal income tax
- −$518.89
- Social Security
- −$255.30
- Medicare
- −$59.71
- Arizona income-tax withholding
- −$78.05
- Pre-tax deductions
- −$405.38
- Post-tax deductions
- −$0.00
- Net pay
- $2,990.36
$1,495.18
$2,990.36
$6,479.12
$77,749.41
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Paycheck estimate — not an employer-issued paystub or proof of income.
What-if scenarios
Calculations are estimates for informational purposes and are not tax, legal, or financial advice. Actual withholding and take-home pay may differ.
How Arizona withholding is calculated
The 2026 Form A-4 percentages
The official 2026 Form A-4, ADOR 10121 (25), offers exactly seven withholding percentages: 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0% and 3.5%. Older percentages such as 0.8%, 1.3%, 2.7% or 5.1% are obsolete and are not offered here. You may also request an additional dollar amount per paycheck, or elect zero withholding if you qualify.
How the calculation works
Arizona withholding for a paycheck is the elected percentage of that paycheck's Arizona taxable wages, rounded to cents. Nothing is annualised, no bracket table applies, and no annual Arizona liability is computed. A separately paid bonus is withheld at the same elected percentage on the bonus itself.
The 2.0% default
The Arizona Department of Revenue states that an employee who does not provide Form A-4 is withheld at the default rate of 2.0%. That is a withholding election of last resort, not the state's income-tax rate. Arizona's individual income tax and the percentage you elect on payroll are different things, so the default can under-withhold.
What reduces Arizona taxable wages
Eligible pre-tax retirement contributions — 401(k), 403(b) or similar — and eligible pre-tax health, dental, vision, health FSA and dependent-care deductions reduce the wages the percentage is applied to. Post-tax deductions do not. The taxable base never falls below zero.
Overtime, tips and bonuses
Taxable overtime, taxable tips, taxable bonuses and taxable fringe benefits are all part of gross taxable wages, so the elected percentage applies to them too. Each amount is counted exactly once, and a separately paid bonus is not annualised.
Additional Arizona withholding
Form A-4 lets you ask for an extra dollar amount from each paycheck. It is added once, after the percentage calculation, and appears on its own line whenever it is above zero, so you can always see the elected percentage separately from the extra amount.
Zero Arizona withholding
A qualifying employee — one who expects no Arizona income-tax liability for the year — may elect zero withholding on Form A-4. With that election, both the calculated Arizona withholding and any additional amount are $0, and no Arizona amount reduces net pay. Federal income tax, Social Security and Medicare are unaffected. Whether you qualify is not decided here.
Federal filing status does not apply
Form A-4 asks for a percentage, not a filing status, and Arizona has no allowances or exemptions on payroll. Your federal Form W-4 filing status drives federal withholding only and deliberately has no effect on the Arizona figure.
No Arizona county or city wage tax
No Arizona county or municipality levies a wage income tax, so this calculator shows no local income-tax row and asks for no local rate. Arizona withholding is the single state row, with any extra A-4 amount shown separately.
Withholding is not your final tax
Withholding is a prepayment. Your actual Arizona liability is settled on your annual return using your real income, deductions and credits. Employer payroll configuration, wage taxability decisions and individual circumstances can all make a real pay stub differ from this estimate.
Official sources
- Arizona Department of Revenue — 2026 Form A-4, Employee's Arizona Withholding Election, ADOR 10121 (25)
- Arizona Department of Revenue — Withholding calculations
- Arizona Department of Revenue — Withholding tax
Other state calculators
Arizona paycheck questions
What the Arizona estimate includes, which official schedules it uses, and what it deliberately leaves out.
What are Arizona's 2026 paycheck-withholding percentages?
The 2026 Form A-4 offers 0.5%, 1.0%, 1.5%, 2.0%, 2.5%, 3.0% and 3.5% of gross taxable wages, plus an optional additional dollar amount per paycheck and a zero-withholding election for qualifying employees.
What is Arizona Form A-4?
Form A-4, Employee's Arizona Withholding Election, is the certificate you give your employer to choose the percentage of your gross taxable wages withheld for Arizona income tax, and to request any additional amount.
What happens if I never submit Form A-4?
The Arizona Department of Revenue requires the employer to withhold at the default rate of 2.0% of gross taxable wages until a valid Form A-4 is on file.
Is 2.0% Arizona's income-tax rate?
No. 2.0% is the default payroll withholding election used when no valid Form A-4 is on file. Your withholding percentage and Arizona's individual income-tax rate are different concepts, which is why the default can leave some employees owing at filing time.
How do pre-tax deductions affect Arizona withholding?
Eligible pre-tax retirement and health, dental, vision, health FSA and dependent-care deductions reduce the taxable wages the elected percentage is applied to, so they reduce Arizona withholding. Post-tax deductions do not.
How are overtime, tips and bonuses handled?
Taxable overtime, tips, bonuses and fringe benefits are part of gross taxable wages, so your elected percentage applies to them. A separately paid bonus is withheld at the same percentage on the bonus itself and is never annualised.
How does additional Arizona withholding work?
The extra dollar amount requested on Form A-4 is withheld from each paycheck in addition to the percentage. Here it is added exactly once and shown on its own result line.
Who may elect zero Arizona withholding?
Only an employee who expects to have no Arizona income-tax liability for the current taxable year and has made that election on Form A-4. With the election active, no Arizona amount is withheld at all.
Does federal filing status change Arizona withholding?
No. Arizona withholding depends only on your Form A-4 percentage and your taxable wages. Your federal Form W-4 filing status affects federal withholding only.
Does Arizona have a county or city wage income tax?
No. No Arizona county or city levies a wage income tax, so this calculator shows no local income-tax row.
Why can paycheck withholding differ from my final Arizona tax?
Withholding is an estimated prepayment. Your final liability depends on your full year of income, deductions and credits, and employer payroll configuration and wage taxability decisions can also shift the withheld amount.