Arizona Income Tax Calculator 2025/2026
Based on Tax Year 2025 brackets (for returns filed in 2026). Last updated: June 2026.
Estimate your Arizona federal and state income tax for Tax Year 2025.
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About Arizona income tax
Arizona uses a flat 2.5% personal income tax rate — among the lowest flat rates of any state that taxes income. Effective since 2023, the flat rate replaced a multi-bracket progressive system. Arizona couples its standard deduction to the federal amount, which is $15,750 for single filers and $31,500 for married filing jointly in Tax Year 2025. Arizona does not tax Social Security benefits, imposes no local income taxes, and provides a 25% match on the federal Earned Income Tax Credit — making it one of the more retiree- and worker-friendly Western states.
- Flat 2.5% rate on all taxable income (since 2023)
- Standard deduction tied to federal: $15,750 single / $31,500 MFJ
- No state tax on Social Security benefits
- No local income taxes
- 25% match on federal EITC; long-term capital gains receive a 25% state subtraction
Tax structure
Arizona uses a flat tax rate of 2.50% on taxable income. Arizona uses a flat 2.5% income tax rate (effective 2023+).
Snapshot at $75,000 (single)
- Take-home: $59,832 per year
- Federal tax: $7,949
- State tax: $1,481
- Effective rate: 20.22%
- vs. Texas (no income tax): Arizona keeps $1,481 more.
Arizona take-home pay by salary (2025)
Single filer · federal + state + FICA. Use the calculator above for married, head of household, or other adjustments.
| Gross salary | Federal tax | State tax | FICA | Take-home (year) | Take-home (month) |
|---|---|---|---|---|---|
| $40,000 | $2,672 | $606 | $3,060 | $33,662 | $2,805 |
| $50,000 | $3,872 | $856 | $3,825 | $41,447 | $3,454 |
| $60,000 | $5,072 | $1,106 | $4,590 | $49,232 | $4,103 |
| $70,000 | $6,849 | $1,356 | $5,355 | $56,440 | $4,703 |
| $75,000 | $7,949 | $1,481 | $5,738 | $59,832 | $4,986 |
| $80,000 | $9,049 | $1,606 | $6,120 | $63,225 | $5,269 |
| $100,000 | $13,449 | $2,106 | $7,650 | $76,795 | $6,400 |
| $120,000 | $17,867 | $2,606 | $9,180 | $90,347 | $7,529 |
| $150,000 | $25,067 | $3,356 | $11,475 | $110,102 | $9,175 |
Common Arizona salaries after taxes
Single filer · federal + state + FICA, Tax Year 2025.
How much is $50,000 after taxes in Arizona?
A single filer earning $50,000 in Arizona takes home approximately $41,447 per year — that's $3,454 monthly, $1,594 per bi-weekly paycheck, or $797 weekly. Total tax burden is $8,553 (17.11% effective rate), broken down as federal $3,872, Arizona state $856, and FICA $3,825.
How much is $65,000 after taxes in Arizona?
A single filer earning $65,000 in Arizona takes home approximately $53,047 per year — that's $4,421 monthly, $2,040 per bi-weekly paycheck, or $1,020 weekly. Total tax burden is $11,953 (18.39% effective rate), broken down as federal $5,749, Arizona state $1,231, and FICA $4,973.
How much is $80,000 after taxes in Arizona?
A single filer earning $80,000 in Arizona takes home approximately $63,225 per year — that's $5,269 monthly, $2,432 per bi-weekly paycheck, or $1,216 weekly. Total tax burden is $16,775 (20.97% effective rate), broken down as federal $9,049, Arizona state $1,606, and FICA $6,120.
How much is $100,000 after taxes in Arizona?
A single filer earning $100,000 in Arizona takes home approximately $76,795 per year — that's $6,400 monthly, $2,954 per bi-weekly paycheck, or $1,477 weekly. Total tax burden is $23,205 (23.21% effective rate), broken down as federal $13,449, Arizona state $2,106, and FICA $7,650.
Arizona vs neighboring states at $75,000
Take-home pay on a $75,000 gross salary (single, Tax Year 2025).
| State | State tax | Take-home (year) | Effective rate | vs Arizona |
|---|---|---|---|---|
| Arizona (this page) | $1,481 | $59,832 | 20.22% | — |
| California | $3,017 | $58,296 | 22.27% | −$1,536/yr |
| New Mexico | $2,376 | $58,938 | 21.42% | −$895/yr |
| Nevada | $0 (no state tax) | $61,314 | 18.25% | +$1,481/yr |
| Utah | $3,413 | $57,901 | 22.8% | −$1,931/yr |
Why Arizona's flat 2.5% is a take-home pay advantage
Because the flat rate applies to taxable income above the standard deduction, the math is straightforward. A single filer earning $75,000 with the $15,750 standard deduction has $59,250 in taxable income, generating roughly $1,481 of Arizona state tax — an effective state rate of about 2% on gross. For the same earner, California would owe roughly $2,800 in state tax, Oregon about $5,700, and Texas $0. Arizona sits firmly on the low-tax side of the spectrum without going all the way to zero.
Across the Southwest: California's progressive system tops at 13.3% (including the Mental Health Services Tax). New Mexico runs 1.5%–5.9% progressive. Nevada has no income tax. Utah uses a flat 4.55%. For a $100,000 single earner moving from California to Arizona, the state income tax savings alone typically run $3,500–$5,500 per year, before considering cost-of-living differences.
Arizona's flat rate keeps marginal and effective state rates identical: every additional dollar is taxed at 2.5%. This simplifies tax planning around bonuses, capital gains realization, and Roth conversions — there are no bracket thresholds to manage. Long-term capital gains receive a 25% state subtraction (gains on assets held longer than one year), which is unusual among flat-tax states and effectively lowers the state rate on qualifying long-term gains to about 1.875%.
Compare to other states
Arizona tax FAQ
What is Arizona's income tax rate for 2025?
Arizona uses a flat 2.5% income tax rate — unchanged since 2023, when the state consolidated its previous progressive brackets into a single rate. The 2.5% applies to all taxable income regardless of filing status or income level.
Does Arizona tax Social Security?
No. Arizona does not tax Social Security benefits at the state level. Combined with the low flat rate, this makes Arizona one of the more retiree-friendly Western states for income tax purposes.
How much Arizona state tax on $80,000?
A single filer in Arizona earning $80,000 with the $15,750 standard deduction has $64,250 of taxable income, generating $1,606 in Arizona state tax (2.5%) — an effective state rate of about 2% on gross.
How does Arizona compare to California for taxes?
Arizona's flat 2.5% is dramatically lower than California's progressive 1%–13.3% schedule. For a single filer earning $100,000, California state tax is roughly $4,500 while Arizona's is about $2,100 — a difference of ~$2,400 per year. At higher incomes the gap widens substantially.
Are these the 2025 or 2026 tax brackets?
The calculator uses tax year 2025 federal brackets — the figures you'll use to file in early 2026. The IRS adjusts brackets annually for inflation; we update when 2026 figures are released.
Should I take the standard deduction or itemize?
Take whichever is larger. The 2025 standard deduction (as boosted by the One Big Beautiful Bill Act, July 2025) is $15,750 (single), $31,500 (married filing jointly), or $23,625 (head of household). Itemize if your mortgage interest, state and local taxes (capped at $10,000), and charitable donations exceed that amount.
Data sources: IRS Revenue Procedure 2024-40 (Tax Year 2025 federal brackets); Arizona Department of Revenue (state rates).