Arizona Net Pay Calculator
Net pay is what actually reaches your bank account after taxes and deductions come out of gross pay. Look up a quick gross-to-net comparison below, or enter your own numbers in the calculator.
Estimated net pay per pay period
$1,892
- Gross pay
- $2,308
- Federal income tax
- − $193
- Arizona withholding
- − $46
- Social Security
- − $143
- Medicare
- − $33
Effective tax rate
18.0%
Take-home percentage
82.0%
| Frequency | Gross | Net |
|---|---|---|
| Weekly | $1,154 | $946 |
| Biweekly | $2,308 | $1,892 |
| Semimonthly | $2,500 | $2,050 |
| Monthly | $5,000 | $4,099 |
| Annually | $60,000 | $49,190 |
Gross-to-Net Quick Lookup
Single filer, default 2.0% Arizona withholding, biweekly pay, no deductions — a fast reference point before you plug in your own numbers above.
| Gross annual salary | Net annual pay | Net per paycheck | % take-home |
|---|---|---|---|
| $40,000 | $33,520 | $1,289 | 83.8% |
| $50,000 | $41,355 | $1,591 | 82.7% |
| $60,000 | $49,190 | $1,892 | 82.0% |
| $75,000 | $60,093 | $2,311 | 80.1% |
| $100,000 | $77,180 | $2,968 | 77.2% |
Net Pay vs. Gross Pay
Gross pay is your total earnings for a pay period before anything is withheld — hours × rate, or your salary divided by the number of pay periods. Net pay is gross pay minus federal income tax, Arizona withholding, Social Security, Medicare, and any deductions like 401(k) contributions or health insurance premiums. For a full step-by-step breakdown of every deduction, see the Take-Home Pay Calculator. Need to work backward from a target net-pay amount to the gross salary required to reach it? Use the Gross Pay Calculator.
Frequently Asked Questions
What is net pay?+
Net pay is what's left of your gross earnings after federal income tax, Arizona state withholding, Social Security, Medicare, and any elected deductions such as 401(k) contributions or health insurance premiums.
What percentage of gross pay is net pay in Arizona?+
It varies by income and filing status, but most Arizona workers take home roughly 75-85% of gross pay after all taxes. See the quick lookup table above for common salaries, or use the calculator for your exact numbers.
Does net pay include 401(k) contributions?+
No — 401(k) and other deductions are subtracted to arrive at net pay, so net pay is what's deposited into your account after those contributions are already taken out, not before.
Related: Take-Home Pay Calculator · Gross Pay Calculator · Salary Paycheck Calculator
Tax year 2026 · Data reviewed 2026-08-15 · See methodology and sources. Estimates only — not tax or legal advice.