Arizona Payroll Calculator

by

Arizona Payroll Calculator

Weekly Bi-weekly Semi-monthly Monthly Annually

Federal Withholding

Single Married Filing Jointly Head of Household
Enter total annual amount from W-4 Step 3 (e.g., $2,000 per child), not number of allowances.
Annual amount from W-4 Step 4a.
Annual amount from W-4 Step 4b.
Per pay period amount from W-4 Step 4c.

Arizona State Withholding

Single Married Filing Jointly Head of Household
Per pay period amount from A4 Form, Line 3.

Deductions

e.g., 401k, health insurance premiums
e.g., Roth 401k, garnishments

Payroll Summary per Period

Gross Pay: $0.00

Pre-Tax Deductions: $0.00

Taxable Gross (Federal): $0.00

Federal Income Tax: $0.00

Social Security Tax: $0.00

Medicare Tax: $0.00

Taxable Gross (Arizona): $0.00

Arizona State Tax: $0.00

Post-Tax Deductions: $0.00

Net Pay: $0.00

Understanding Your Arizona Paycheck: A Comprehensive Guide

Navigating your paycheck can sometimes feel like deciphering a complex code. For employees in Arizona, understanding the various deductions, from federal taxes to state-specific withholdings, is crucial for financial planning. Our Arizona Payroll Calculator is designed to help you estimate your net pay, giving you a clearer picture of your take-home earnings.

How Payroll Works in Arizona

When you earn a salary or wages in Arizona, your employer is required to withhold certain taxes from your gross pay before you receive your net pay. These withholdings include federal income tax, FICA taxes (Social Security and Medicare), and Arizona state income tax. Other deductions might include pre-tax contributions (like 401k or health insurance) and post-tax deductions (like Roth 401k or garnishments).

Federal Income Tax

Federal income tax is a progressive tax, meaning higher earners pay a larger percentage of their income in taxes. The amount withheld from your paycheck depends on several factors, including your gross pay, filing status (Single, Married Filing Jointly, Head of Household), and the information you provide on your W-4 form. The W-4 form helps your employer estimate the correct amount of federal income tax to withhold, preventing large tax bills or refunds at the end of the year. Our calculator uses a simplified method based on your W-4 inputs to estimate this withholding.

FICA Taxes: Social Security and Medicare

FICA stands for Federal Insurance Contributions Act, and it funds Social Security and Medicare programs. These are mandatory deductions for most employees:

  • Social Security: This tax is 6.2% of your gross wages, up to an annual wage base limit (e.g., $168,600 for 2024). Once you earn above this limit in a calendar year, Social Security tax is no longer withheld.
  • Medicare: This tax is 1.45% of all your gross wages, with no wage base limit. There's also an additional Medicare tax of 0.9% for high-income earners, but this is typically handled by the individual when filing taxes, not usually withheld by employers unless specific conditions are met. Our calculator focuses on the standard 1.45%.

Arizona State Income Tax

Arizona has a relatively straightforward state income tax system. For 2024, Arizona uses a flat tax rate of 2.5% for most income levels. However, the amount withheld from your paycheck is influenced by your Arizona Form A4, which specifies your filing status and the number of allowances you claim. These allowances reduce your taxable income for state withholding purposes, similar to federal allowances.

Pre-Tax vs. Post-Tax Deductions

  • Pre-Tax Deductions: These are deductions taken from your gross pay *before* taxes are calculated. Common examples include contributions to a 401(k) retirement plan, health insurance premiums, or Flexible Spending Accounts (FSAs). Because they reduce your taxable income, they lower your federal and state income tax liability.
  • Post-Tax Deductions: These deductions are taken *after* all applicable taxes have been calculated and withheld. Examples include Roth 401(k) contributions, union dues, garnishments, or charitable contributions made directly from your paycheck. These deductions do not affect your taxable income.

How to Use the Calculator

To get an accurate estimate of your net pay, simply input the following information:

  1. Gross Pay per Period: Your total earnings before any deductions for the selected pay period.
  2. Pay Frequency: How often you get paid (e.g., weekly, bi-weekly).
  3. Federal Withholding Information: Your filing status, dependents/other credits, other income, deductions, and any extra withholding as indicated on your W-4 form.
  4. Arizona State Withholding Information: Your filing status and allowances as indicated on your Arizona Form A4, plus any extra withholding.
  5. Pre-Tax Deductions: Any deductions that reduce your taxable income.
  6. Post-Tax Deductions: Any deductions taken after taxes.

Click "Calculate Payroll" to see a detailed breakdown of your estimated take-home pay.

Disclaimer

This calculator provides an estimate based on current tax laws and common withholding methods. It is not intended to be financial or tax advice. Actual payroll calculations may vary due to specific employer policies, additional local taxes, or unique individual circumstances. Always consult with a qualified financial advisor or tax professional for personalized advice.

.calculator-container { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; max-width: 700px; margin: 20px auto; padding: 25px; background-color: #f9f9f9; border-radius: 10px; box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1); border: 1px solid #e0e0e0; } .calculator-container h2 { color: #2c3e50; text-align: center; margin-bottom: 25px; font-size: 1.8em; } .calculator-container h3 { color: #34495e; margin-top: 25px; margin-bottom: 15px; font-size: 1.3em; border-bottom: 1px solid #eee; padding-bottom: 5px; } .input-group { margin-bottom: 15px; display: flex; flex-direction: column; } .input-group label { margin-bottom: 7px; font-weight: bold; color: #555; font-size: 0.95em; } .input-group input[type="number"], .input-group select { padding: 10px 12px; border: 1px solid #ccc; border-radius: 5px; font-size: 1em; width: 100%; box-sizing: border-box; transition: border-color 0.3s ease; } .input-group input[type="number"]:focus, .input-group select:focus { border-color: #007bff; outline: none; box-shadow: 0 0 5px rgba(0, 123, 255, 0.2); } .input-group small { font-size: 0.85em; color: #777; margin-top: 5px; } button { display: block; width: 100%; padding: 12px 20px; background-color: #007bff; color: white; border: none; border-radius: 5px; font-size: 1.1em; cursor: pointer; transition: background-color 0.3s ease, transform 0.2s ease; margin-top: 20px; } button:hover { background-color: #0056b3; transform: translateY(-1px); } .result-section { background-color: #eaf4ff; border: 1px solid #cce0ff; border-radius: 8px; padding: 20px; margin-top: 30px; } .result-section h3 { color: #0056b3; margin-top: 0; margin-bottom: 15px; font-size: 1.4em; border-bottom: 1px solid #aaccff; padding-bottom: 10px; } .result-section p { display: flex; justify-content: space-between; margin-bottom: 8px; font-size: 1em; color: #333; } .result-section p span { font-weight: bold; color: #000; } .result-section .net-pay { font-size: 1.3em; margin-top: 20px; padding-top: 15px; border-top: 2px solid #007bff; color: #007bff; } .result-section .net-pay span { color: #007bff; } .article-content { margin-top: 40px; padding-top: 20px; border-top: 1px solid #e0e0e0; color: #333; line-height: 1.6; } .article-content h2 { font-size: 1.6em; color: #2c3e50; margin-bottom: 15px; } .article-content h3 { font-size: 1.2em; color: #34495e; margin-top: 20px; margin-bottom: 10px; } .article-content p, .article-content ul, .article-content ol { margin-bottom: 15px; font-size: 0.95em; } .article-content ul, .article-content ol { margin-left: 20px; } .article-content li { margin-bottom: 5px; } .article-content strong { color: #2c3e50; } function calculatePayroll() { // Constants for 2024 (simplified for calculator purposes) var SS_RATE = 0.062; var MED_RATE = 0.0145; var SS_WAGE_BASE = 168600; // 2024 Social Security wage base limit var AZ_STATE_TAX_RATE = 0.025; // Arizona flat tax rate for 2024 // Federal W-4 2020+ method (simplified for calculator) // These values are approximations for calculation purposes, not exact IRS tables. var FEDERAL_STANDARD_DEDUCTION_SINGLE_ANNUAL = 14600; // 2024 var FEDERAL_STANDARD_DEDUCTION_MARRIED_ANNUAL = 29200; // 2024 var FEDERAL_STANDARD_DEDUCTION_HOH_ANNUAL = 21900; // 2024 // Arizona A4 allowances (simplified, actual A4 has a table) var AZ_ALLOWANCE_VALUE_ANNUAL = 2800; // Approximation based on older AZ-W4, for calculation purposes // Get input values var grossPay = parseFloat(document.getElementById("grossPay").value); var payFrequency = document.getElementById("payFrequency").value; var federalFilingStatus = document.getElementById("federalFilingStatus").value; var federalDependentsCredits = parseFloat(document.getElementById("federalAllowances").value); // W-4 Step 3 var federalOtherIncomeAnnual = parseFloat(document.getElementById("federalOtherIncome").value); // W-4 Step 4a var federalDeductionsAnnual = parseFloat(document.getElementById("federalDeductions").value); // W-4 Step 4b var federalExtraWithholding = parseFloat(document.getElementById("federalExtraWithholding").value); // W-4 Step 4c var azFilingStatus = document.getElementById("azFilingStatus").value; var azAllowances = parseFloat(document.getElementById("azAllowances").value); var azExtraWithholding = parseFloat(document.getElementById("azExtraWithholding").value); var preTaxDeductions = parseFloat(document.getElementById("preTaxDeductions").value); var postTaxDeductions = parseFloat(document.getElementById("postTaxDeductions").value); // Validate inputs if (isNaN(grossPay) || grossPay < 0) { alert("Please enter a valid Gross Pay per Period."); return; } if (isNaN(federalDependentsCredits) || federalDependentsCredits < 0) federalDependentsCredits = 0; if (isNaN(federalOtherIncomeAnnual) || federalOtherIncomeAnnual < 0) federalOtherIncomeAnnual = 0; if (isNaN(federalDeductionsAnnual) || federalDeductionsAnnual < 0) federalDeductionsAnnual = 0; if (isNaN(federalExtraWithholding) || federalExtraWithholding < 0) federalExtraWithholding = 0; if (isNaN(azAllowances) || azAllowances < 0) azAllowances = 0; if (isNaN(azExtraWithholding) || azExtraWithholding < 0) azExtraWithholding = 0; if (isNaN(preTaxDeductions) || preTaxDeductions < 0) preTaxDeductions = 0; if (isNaN(postTaxDeductions) || postTaxDeductions SS_WAGE_BASE) { // If this period pushes over the limit // Calculate how much of this period's gross is subject to SS tax var ytdBeforeThisPeriod = annualGrossPay – grossPay; // Approximation var taxableThisPeriod = Math.max(0, SS_WAGE_BASE – ytdBeforeThisPeriod); socialSecurityTax = Math.min(ssableGross, taxableThisPeriod) * SS_RATE; } else { socialSecurityTax = ssableGross * SS_RATE; } // Medicare (no wage base limit) medicareTax = grossPay * MED_RATE; // — Federal Income Tax (Simplified W-4 2020+ method) — var federalTaxableGross = grossPay – preTaxDeductions; var annualFederalTaxableGross = annualGrossPay – annualPreTaxDeductions; var annualStandardDeduction = 0; if (federalFilingStatus === "single") { annualStandardDeduction = FEDERAL_STANDARD_DEDUCTION_SINGLE_ANNUAL; } else if (federalFilingStatus === "married") { annualStandardDeduction = FEDERAL_STANDARD_DEDUCTION_MARRIED_ANNUAL; } else if (federalFilingStatus === "hoh") { annualStandardDeduction = FEDERAL_STANDARD_DEDUCTION_HOH_ANNUAL; } // Calculate adjusted annual taxable income for federal withholding var annualWithholdingIncome = annualFederalTaxableGross; annualWithholdingIncome -= annualStandardDeduction; annualWithholdingIncome += federalOtherIncomeAnnual; annualWithholdingIncome -= federalDeductionsAnnual; annualWithholdingIncome -= federalDependentsCredits; // Credits reduce tax, but for withholding, it's often treated as reducing taxable income for simplicity. if (annualWithholdingIncome < 0) annualWithholdingIncome = 0; // Simplified Federal Tax Brackets (for demonstration, not actual IRS tables) // This is a very rough approximation of progressive tax for 2024. var federalTax = 0; var annualFederalTax = 0; if (federalFilingStatus === "single" || federalFilingStatus === "hoh") { if (annualWithholdingIncome <= 11600) { // 10% bracket annualFederalTax = annualWithholdingIncome * 0.10; } else if (annualWithholdingIncome <= 47150) { // 12% bracket annualFederalTax = 11600 * 0.10 + (annualWithholdingIncome – 11600) * 0.12; } else if (annualWithholdingIncome <= 100525) { // 22% bracket annualFederalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (annualWithholdingIncome – 47150) * 0.22; } else { // Simplified higher bracket annualFederalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (annualWithholdingIncome – 100525) * 0.24; } } else if (federalFilingStatus === "married") { if (annualWithholdingIncome <= 23200) { // 10% bracket annualFederalTax = annualWithholdingIncome * 0.10; } else if (annualWithholdingIncome <= 94300) { // 12% bracket annualFederalTax = 23200 * 0.10 + (annualWithholdingIncome – 23200) * 0.12; } else if (annualWithholdingIncome <= 201050) { // 22% bracket annualFederalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (annualWithholdingIncome – 94300) * 0.22; } else { // Simplified higher bracket annualFederalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (annualWithholdingIncome – 201050) * 0.24; } } federalTax = (annualFederalTax / payPeriodsPerYear) + federalExtraWithholding; if (federalTax < 0) federalTax = 0; // — Arizona State Income Tax — var azTaxableGross = grossPay – preTaxDeductions; var annualAZTaxableGross = annualGrossPay – annualPreTaxDeductions; // AZ allowances reduce taxable income for state withholding var annualAZAllowanceDeduction = azAllowances * AZ_ALLOWANCE_VALUE_ANNUAL; var azWithholdingBasisAnnual = annualAZTaxableGross – annualAZAllowanceDeduction; if (azWithholdingBasisAnnual < 0) azWithholdingBasisAnnual = 0; var azStateTax = (azWithholdingBasisAnnual * AZ_STATE_TAX_RATE / payPeriodsPerYear) + azExtraWithholding; if (azStateTax < 0) azStateTax = 0; // — Net Pay Calculation — var netPay = grossPay – preTaxDeductions – federalTax – socialSecurityTax – medicareTax – azStateTax – postTaxDeductions; // Display results document.getElementById("grossPayResult").innerText = "$" + grossPay.toFixed(2); document.getElementById("preTaxDeductionsResult").innerText = "$" + preTaxDeductions.toFixed(2); document.getElementById("federalTaxableGrossResult").innerText = "$" + federalTaxableGross.toFixed(2); document.getElementById("federalTaxResult").innerText = "$" + federalTax.toFixed(2); document.getElementById("socialSecurityTaxResult").innerText = "$" + socialSecurityTax.toFixed(2); document.getElementById("medicareTaxResult").innerText = "$" + medicareTax.toFixed(2); document.getElementById("azTaxableGrossResult").innerText = "$" + azTaxableGross.toFixed(2); document.getElementById("azStateTaxResult").innerText = "$" + azStateTax.toFixed(2); document.getElementById("postTaxDeductionsResult").innerText = "$" + postTaxDeductions.toFixed(2); document.getElementById("netPayResult").innerText = "$" + netPay.toFixed(2); } // Run calculation on page load for initial values window.onload = calculatePayroll;

Leave a Comment