Free · No signup · 2025–2026 rates
Arizona Income Tax Calculator 2026 — Flat 2.5% Rate
Estimated Arizona state income tax at common income levels, combined federal + state burden, and the full Arizona tax bracket table — 2025 rates.
Reviewed for accuracy June 2026 by Gary S.
State tax type
Flat 2.5%
State tax at $75k
$1,500
Federal tax at $75k
$8,114
Combined eff. rate $75k
12.8%
10.2% effective rate — tax-efficient income level
Your 10.2% effective federal tax rate keeps you below the 18% threshold — a tax-efficient income level. After taxes you retain $67,330 (89.8%) of your $75,000 gross income.
- ›Standard deduction: $16,100 — you'd need more than $16,100 in itemized deductions to benefit from itemizing
- ›Marginal rate: 22% — each $1,000 added to a 401k or HSA saves $220 in federal tax
Share on r/personalfinance, Twitter/X, or LinkedIn 📊
Calculate for another state:
Arizona income tax at common income levels — 2025
Single filer, 2025 federal standard deduction ($15,000) and Arizona standard deduction ($15,000). Federal tax uses 2025 IRS brackets.
| Income | Arizona state tax | State eff. rate | Federal tax | Total tax | Total eff. rate |
|---|---|---|---|---|---|
| $50,000 | $875 | 1.8% | $3,962 | $4,837 | 9.7% |
| $75,000 | $1,500 | 2.0% | $8,114 | $9,614 | 12.8% |
| $100,000 | $2,125 | 2.1% | $13,614 | $15,739 | 15.7% |
Single filer. Federal tax computed on gross income minus $15,000 standard deduction using 2025 IRS brackets. State tax estimates are approximate — consult a tax professional for exact liability. Does not include FICA (Social Security + Medicare), local taxes, or deductions beyond the standard deduction.
What is the Arizona state income tax rate?
Flat rate: 2.5% on all taxable income
Arizona moved to a flat 2.5% income tax rate in 2023 — one of the most competitive flat rates in the country. The state mirrors the federal standard deduction ($15,000 single), making the effective rate very predictable.
| Income | State tax rate | Note |
|---|---|---|
| All taxable income | 2.5% | After $15,000 standard deduction |
How to reduce your Arizona income tax bill
Arizona's flat 2.5% rate means every dollar you move into a pre-tax account reduces both your federal and Arizona state tax simultaneously. The combined federal + state marginal rate for a middle-income earner in Arizona can easily reach 30–35%, so pre-tax contributions are particularly valuable.
Max your 401k or 403b ($24,500 in 2026)
Traditional 401k contributions reduce your federal and Arizona state taxable income dollar-for-dollar. At the 22% federal bracket plus 2.5% state, each $1,000 contributed saves $245 in current-year taxes. If your employer matches, prioritise contributing at least enough to capture the full match before any other savings goal.
Contribute to an HSA ($4,400 self-only in 2026)
HSA contributions are the only triple-tax-advantaged account in the US code: pre-tax in, tax-free growth, tax-free qualified withdrawals. Available to those enrolled in an eligible high-deductible health plan (HDHP). HSA balances roll over with no use-it-or-lose-it rule and can be invested in index funds for long-term tax-free growth.
Take the Arizona standard deduction
Arizona offers a state standard deduction of $15,000 for single filers. Combined with the $15,000 federal standard deduction, most taxpayers without large mortgage interest or charitable deductions are better off taking the standard deduction rather than itemising at the state level.
Harvest tax losses in taxable investment accounts
Tax-loss harvesting — selling investments that are down to realise a capital loss — can offset capital gains and up to $3,000/year of ordinary income. The wash-sale rule prohibits repurchasing the same or substantially identical security within 30 days, but you can immediately buy a similar (not identical) fund to maintain market exposure while locking in the loss.
Filing your Arizona income tax return: key facts
Federal and Arizona state income tax returns are due on April 15 each year (or the next business day if April 15 falls on a weekend or holiday). An automatic six-month extension can be filed by April 15 — but the extension delays the filing deadline, not the payment deadline. If you expect to owe tax, you must pay an estimate by April 15 to avoid underpayment penalties even if you file later.
Arizona residents file both a federal Form 1040 and a Arizona state income tax return each year. The state return typically starts with federal Adjusted Gross Income (AGI) and applies state-specific additions and subtractions. Free filing options include the IRS Free File program (income under $84,000) and Arizona's own free e-file portal for qualifying residents.
Self-employed workers and independent contractors in Arizona who expect to owe $1,000 or more in federal tax must make quarterly estimated tax payments (due April 15, June 15, September 15, and January 15). Missing these payments triggers an underpayment penalty calculated at the federal short-term rate plus 3%. Use Form 1040-ES to calculate and submit quarterly payments.
Compare state income tax rates
Related calculators
Tax & income guides
All guides →$100K After Taxes: What You Actually Take Home in 2026
A $100,000 salary leaves about $79,180 after federal taxes for a single filer in 2026 — $6,598/month — before state tax. Federal tax is $13,170, FICA $7,650. Full breakdown by state tax level, filing status, and pay frequency.
What to Do With a Windfall: The Optimal Deployment Order
Got an inheritance, bonus, or settlement? The mathematically optimal deployment order is: pay off high-interest debt, build your emergency fund, capture the 401(k) match, then invest the rest. Worked examples for $10K, $50K, and $100K windfalls.
Debt Settlement vs Bankruptcy: Which Is Better?
Bankruptcy eliminates eligible debt through a federal court process (3–6 months for Chapter 7); debt settlement negotiates a lump-sum payoff of 25–60 cents on the dollar but takes 2–4 years, does not stop lawsuits, and leaves you with a tax bill. Here is how to choose between them.
Arizona income tax — frequently asked questions
What is the Arizona state income tax rate for 2026?
Arizona has a flat 2.5% state income tax rate for 2026. This rate applies to all taxable income.
Does Arizona have a state income tax?
Yes. Arizona has a flat 2.5% income tax rate that applies to all taxable income.
How much Arizona state income tax do I owe on $75,000?
On a $75,000 gross income (single filer, 2025), estimated Arizona state income tax is approximately $1,500 (effective rate: 2.0%). Combined with federal income tax of approximately $8,114, total tax is about $9,614 — an overall effective rate of 12.8%.
What is the combined federal and Arizona state income tax at $100,000?
At $100,000 gross income (single filer, 2025 standard deductions): federal income tax is approximately $13,614, Arizona state income tax is $2,125, for a combined total of approximately $15,739 — an overall effective rate of 15.7%.
How does Arizona's income tax compare to other states?
Arizona's top rate of 2.5% places it among the lower-tax states nationally. The nine states with no income tax pay $0 in state income tax; the highest-tax states (California at 13.3%, Hawaii at 11%) have the largest state income tax burdens.