Arizona Salary After-Tax Guide (2026)
Tax data last reviewed: · Maintained by The Snap Pay Team against IRS and state agency sources
Quick answer
Arizona levies a state income tax on wage earners. Take-home pay on a $120,000 salary is about $90,652.50 after all 2026 federal, FICA and state taxes for a single filer. This guide covers every $5,000 salary level from $40K to $200K in Arizona.
State income tax
Yes
Net on $120,000.00
$90,652.50
Levels covered
33 salaries
How Arizona taxes wages
Arizona implemented a flat income tax rate of 2.5% in 2023, replacing its previous graduated system. This flat rate is among the lowest state income tax rates in the country, making Arizona increasingly competitive with no-tax states. The state sales tax rate is 5.6%, with local additions bringing combined rates to 8–10% in many cities.
Arizona starts from your federal adjusted gross income (AGI) and then applies its own deductions, exemptions and rate schedule. It does not simply copy the federal tax.
Arizona's 2.5% flat income tax rate is one of the lowest in the nation among states with an income tax, resulting from a deliberate legislative strategy to attract businesses and workers from higher-tax states.
Arizona 2026 income tax rate
| Taxable income over | Rate |
|---|---|
| $0 | 2.5% |
Rates from the official 2026 sources listed below. Standard deduction: $16,100. Some 2026 amounts are derived from the state's inflation-indexing law; final published figures may differ slightly.
Deductions, credits and extra taxes in Arizona
These are the components Arizona law applies to a wage earner with no dependents. A deduction lowers taxable income; a credit lowers the tax itself.
Deductions and exemptions
- Arizona standard deduction: $16,100 single, $32,200 married filing jointly.Legal basis: A.R.S. § 43-1041(A), (H)
Filing status rules in Arizona
- Single: § 43-1041(A)(1) single amount.
- Married filing jointly: § 43-1041(A)(3) joint amount.
- Married filing separately: § 43-1041(A)(1): "a single person or a married person filing separately". Treated the same as single.
- Head of household: § 43-1041(A)(2) head-of-household amount.
401(k) contributions and Arizona tax
Because Arizona starts from a federal income figure, traditional 401(k) deferrals that lower federal wages also lower the Arizona base. Roth contributions do not. Health-account treatment can differ by state and is not assumed here.
Take-home by salary level in Arizona
| Gross salary | State income tax | Effective rate | Take-home |
|---|---|---|---|
| $40,000 | $597.50 | 15.7% | $33,722.50 |
| $45,000 | $722.50 | 16.4% | $37,615.00 |
| $50,000 | $847.50 | 17.0% | $41,507.50 |
| $55,000 | $972.50 | 17.5% | $45,400.00 |
| $60,000 | $1,097.50 | 17.8% | $49,292.50 |
| $65,000 | $1,222.50 | 18.2% | $53,185.00 |
| $70,000 | $1,347.50 | 19.0% | $56,727.50 |
| $75,000 | $1,472.50 | 19.8% | $60,120.00 |
| $80,000 | $1,597.50 | 20.6% | $63,512.50 |
| $85,000 | $1,722.50 | 21.3% | $66,905.00 |
| $90,000 | $1,847.50 | 21.9% | $70,297.50 |
| $95,000 | $1,972.50 | 22.4% | $73,690.00 |
| $100,000 | $2,097.50 | 22.9% | $77,082.50 |
| $105,000 | $2,222.50 | 23.4% | $80,475.00 |
| $110,000 | $2,347.50 | 23.8% | $83,867.50 |
| $115,000 | $2,472.50 | 24.1% | $87,260.00 |
| $120,000 | $2,597.50 | 24.5% | $90,652.50 |
| $125,000 | $2,722.50 | 24.8% | $93,981.00 |
| $130,000 | $2,847.50 | 25.2% | $97,273.50 |
| $135,000 | $2,972.50 | 25.5% | $100,566.00 |
| $140,000 | $3,097.50 | 25.8% | $103,858.50 |
| $145,000 | $3,222.50 | 26.1% | $107,151.00 |
| $150,000 | $3,347.50 | 26.4% | $110,443.50 |
| $155,000 | $3,472.50 | 26.6% | $113,736.00 |
| $160,000 | $3,597.50 | 26.9% | $117,028.50 |
| $165,000 | $3,722.50 | 27.1% | $120,321.00 |
| $170,000 | $3,847.50 | 27.3% | $123,613.50 |
| $175,000 | $3,972.50 | 27.5% | $126,906.00 |
| $180,000 | $4,097.50 | 27.7% | $130,198.50 |
| $185,000 | $4,222.50 | 27.8% | $133,522.00 |
| $190,000 | $4,347.50 | 27.8% | $137,124.50 |
| $195,000 | $4,472.50 | 27.8% | $140,727.00 |
| $200,000 | $4,597.50 | 27.8% | $144,329.50 |
Single filer, standard deduction, no pre-tax deductions; 2026 annual state income tax.
Local income taxes: none listed for Arizona.
2026 amount estimated from the state's statutory indexing formula; final published amount is not yet available.
Official sources and limits of this guide
- A.R.S. § 43-1041 — Optional standard deduction — Arizona Legislature
- HB 4168 (Laws 2026, ch. 140) — taxation omnibus; House summary as signed — Arizona Legislature
- Rev. Proc. 2025-32 — 2026 inflation adjustments (basic standard deduction) — Internal Revenue Service
Assumptions and what is not covered
- Wage-only resident: Arizona AGI = federal AGI (no additions/subtractions).
- Standard deduction without the charitable-contribution increase (§ 43-1041(I)); no dependent credit.
- Family income tax credit (§ 43-1073) cannot reduce a positive tax for no-dependent filers: its income ceilings are below the standard deduction.
- Arizona has no local income tax. Amounts computed in cents.
Nearby state tax guides
Compare Arizona's wage-tax rules with states that share its borders.
Highest take-home for $120,000.00
Top 5 states where a $120,000.00 single-filer salary keeps the most after all federal, FICA and state taxes in 2026.
- 1.Alaska$93,250.00
- 2.Florida$93,250.00
- 3.Nevada$93,250.00
- 4.New Hampshire$93,250.00
- 5.South Dakota$93,250.00
Arizona State Tax FAQ (2026)
Data Sources & Methodology
- • Federal tax brackets: IRS Revenue Procedure 2025-32 (2026 tax year)
- • Standard deduction: $16,100 (single), $32,200 (married filing jointly)
- • Social Security: 6.2% on wages up to $184,500 (SSA 2026)
- • Medicare: 1.45% on all wages + 0.9% additional above $200,000
- • Work hours: 40 hours/week × 52 weeks = 2,080 hours/year (standard full-time)
- • Federal income tax: Estimated annual federal income tax for 2026 (IRS Revenue Procedure 2025-32 brackets), spread evenly across paychecks — an annual tax estimate, not an employer withholding simulation
- • State taxes: Verified annual state income tax is calculated without additional state inputs across four filing statuses and nine tested wage levels ($15,000–$500,000) in 28 of the 51 jurisdictions (50 states + DC). 21 have partial, input-dependent or estimate-only coverage — Alabama (lower incomes), Arkansas (lower incomes), Arizona (estimates; not fully verified), California (estimates; not fully verified), Delaware (lower incomes), Iowa (lower incomes), Kentucky (lower incomes), Massachusetts (lower incomes), Maryland (lower incomes), Minnesota (married jointly), Missouri (joint returns need each spouse’s wages), Mississippi (joint returns need each spouse’s wages), North Dakota (married jointly), New Mexico (head of household), New York (married jointly at lower incomes; married separately at lower incomes; head of household at lower incomes), Ohio (joint returns need each spouse’s wages), Oregon (estimates; not fully verified), Pennsylvania (lower incomes), Utah (estimates; not fully verified), Virginia (lower incomes) and West Virginia (single at lower incomes; married jointly at lower incomes; head of household). Idaho and Vermont show "Not calculated" until their 2026 rules are published and verified. Missing rules or required inputs show "Not calculated"; estimates are labelled. Joint returns needing each spouse’s wages use an empty input, never an assumed split. This measures wage-only scenarios, not all tax situations. Employee-paid payroll taxes are included where they apply, such as CA SDI (1.3%, uncapped), NY PFL (0.432%, $411.91 max) and NJ TDI/FLI (2026 $171,100 base)
- • Coverage: Federal, state and state payroll taxes only — city, county and school-district income taxes (e.g. NYC, Ohio municipalities, PA EIT, Maryland counties) are not included
- • Estimates assume single filer, no dependents, standard deduction, no pre-tax deductions unless specified
Explore More Salary Calculations
State Calculators
Sources & verification
All 2026 rates, brackets, and thresholds on this page come from the primary sources below. Snappaycalc's tax data team reviews these annually.
- Rev. Proc. 2025-32 — 2026 inflation adjustments — Internal Revenue Service
2026 federal tax brackets and standard deduction
- Publication 15-T — Federal income tax withholding methods — Internal Revenue Service
Basis for W-4 adjustments (multiple jobs, dependent credits, extra withholding); results are annual estimates, not a per-period withholding simulation
- 2026 Social Security wage base announcement — Social Security Administration
FICA / OASDI wage base and rates for 2026
- Additional Medicare Tax — Topic no. 560 — Internal Revenue Service
0.9% surtax on wages above threshold
Important Disclaimer
This calculator provides estimates only and should not be considered financial or tax advice. Actual amounts may vary based on your specific situation, employer policies, and current tax laws. For personalized advice, please consult a qualified tax professional or financial advisor.