Your Pay Details
Your Take-Home Pay
| Gross Pay | $0 |
| Federal Income Tax | –$0 |
| Social Security (6.2%) | –$0 |
| Medicare (1.45%) | –$0 |
| Arizona State Tax (2.5%) | –$0 |
| Take-Home Pay | $0 |
How Your Arizona Paycheck Works
Arizona converted to a flat 2.5% state income tax rate in 2023 — one of the lowest flat rates in the country. Arizona applies a standard deduction of $13,850 (single) or $27,700 (married) before the 2.5% rate is applied.
Federal Income Tax
Calculated using 2025 federal brackets from 10% to 37%, applied to your taxable income after the standard deduction.
Social Security
6.2% of your gross pay up to $176,100. Funds the Social Security retirement and disability program.
Medicare
1.45% of all gross pay with no income cap. High earners over $200K pay an additional 0.9% surtax.
Arizona State Tax
Arizona taxes wages at a flat 2.5% — one of the lowest state income tax rates in the US, effective since 2023.
2025 Federal Tax Brackets
The US uses a progressive tax system — you only pay each rate on income within that bracket, not your entire salary.
Single Filers
| Rate | Income Range |
|---|---|
| 10% | $0 – $11,925 |
| 12% | $11,926 – $48,475 |
| 22% | $48,476 – $103,350 |
| 24% | $103,351 – $197,300 |
| 32% | $197,301 – $250,525 |
| 35% | $250,526 – $626,350 |
| 37% | Over $626,350 |
Married Filing Jointly
| Rate | Income Range |
|---|---|
| 10% | $0 – $23,850 |
| 12% | $23,851 – $96,950 |
| 22% | $96,951 – $206,700 |
| 24% | $206,701 – $394,600 |
| 32% | $394,601 – $501,050 |
| 35% | $501,051 – $751,600 |
| 37% | Over $751,600 |
Major Cities in Arizona
Whether you live in Phoenix, Tucson, or anywhere else in Arizona, state tax rates apply uniformly — your city does not change your paycheck calculation. Local taxes and cost of living vary by city, as shown below.
* Population from U.S. Census estimates. Home prices and rent are 2023–2024 estimates. Local income tax applies to residents unless noted.
Frequently Asked Questions
What is Arizona's state income tax rate?
Arizona has a flat 2.5% state income tax rate as of 2023, when it replaced its previous graduated bracket system. This makes Arizona one of the lowest income tax states in the country.
What percentage of my paycheck goes to taxes in Arizona?
In Arizona, a single filer earning $55,000/year pays roughly 1.9% in effective state income tax (after the standard deduction) plus federal taxes and FICA. Total deductions typically run 21–24% of gross pay.
What is FICA and how much is it?
FICA covers Social Security (6.2% up to $176,100) and Medicare (1.45% with no cap). Together that's 7.65% of gross pay. Every US worker pays these regardless of state.
How do pre-tax deductions like a 401(k) reduce my taxes?
Pre-tax deductions reduce your federal taxable income, lowering your tax bill. A $5,000 annual 401(k) contribution could save $600–$1,100 in federal taxes depending on your bracket.
How accurate is this calculator?
This calculator uses 2025 federal brackets and the state's current flat rate. Results are close estimates — your actual paycheck may vary based on W-4 elections and employer deductions.