Arizona Take-Home Pay Calculator
See every deduction between your gross pay and what actually lands in your bank account — federal tax, Arizona withholding, FICA, and your own pre-tax and post-tax deductions.
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 |
What if your salary increased?
- $65,000$53,108/yr net
- $70,000$56,675/yr net
- $75,000$60,093/yr net
From Gross Pay to Take-Home Pay
1. Gross pay
Hours × rate (plus overtime), or annual salary ÷ pay periods.2. Pre-tax deductions
401(k), health insurance, HSA, and FSA contributions reduce your taxable wages first.3. Federal income tax
Based on your filing status and the 2026 IRS brackets, after the standard deduction.4. Arizona withholding
A flat percentage (0.0–3.5%) of your gross taxable wages, per your Form A-4 election.5. FICA
6.2% Social Security (up to the annual wage base) and 1.45% Medicare.6. Post-tax deductions
Roth 401(k), wage garnishments, or other after-tax deductions come out last.
Frequently Asked Questions
What's the difference between gross pay and take-home pay?+
Gross pay is your total earnings before anything is withheld. Take-home pay (net pay) is what's left after federal tax, Arizona withholding, Social Security, Medicare, and any deductions you've elected — it's the amount actually deposited into your bank account.
Why does my take-home pay change from paycheck to paycheck?+
Bonuses, overtime, and changes to benefits elections all shift the numbers. Also, if you're paid biweekly, two months a year will have three paychecks instead of two, which changes how monthly totals average out even though your annual pay doesn't change.
Can I estimate take-home pay without knowing my exact deductions?+
Yes — the calculator above defaults to no pre-tax or post-tax deductions, giving you a starting estimate. Add your 401(k), health insurance, or other deductions under 'Show deductions' for a more precise number.
Tax year 2026 · Data reviewed 2026-08-15 · See methodology and sources. Estimates only — not tax or legal advice.