Calculate your estimated net pay for a paycheck in Arizona.
Weekly (52 per year)
Bi-weekly (26 per year)
Semi-monthly (24 per year)
Monthly (12 per year)
Estimated Net Pay
$0.00
Understanding Your Arizona Paycheck
This calculator provides an estimation of your net pay (take-home pay) based on your gross earnings, pay frequency, federal tax withholdings, and common pre-tax deductions. It's important to note that this is an approximation, as actual withholdings can be affected by various factors not included here, such as local taxes, specific company deductions, or other voluntary withholdings. For precise figures, always refer to your official pay stub or consult with your HR department or ADP directly.
Key Calculation Components:
Gross Pay: The total amount you earn before any deductions.
Pay Frequency: Determines how often you are paid (e.g., weekly, bi-weekly, monthly). This impacts the annualization of income for tax calculations.
Federal Income Tax Withholding: Calculated based on IRS Form W-4 information (allowances and additional withholding). The number of allowances generally reduces the amount of tax withheld.
FICA Taxes:
Social Security: 6.2% on earnings up to the annual limit ($168,600 for 2024).
Medicare: 1.45% on all earnings. An additional Medicare tax of 0.9% applies to earnings over $200,000 (for single filers).
Pre-tax Deductions: Contributions to retirement plans (like 401(k)) and premiums for health, dental, or vision insurance are typically deducted before taxes are calculated, thereby reducing your taxable income.
Arizona State Income Tax: Arizona has a graduated income tax system. This calculator uses the current tax brackets to estimate state withholding.
Net Pay: The final amount you receive after all taxes and deductions have been subtracted from your gross pay.
How the Calculation Works (Simplified):
Annualize Gross Pay: Your per-pay-period gross pay is multiplied by the number of pay periods in a year based on your chosen frequency.
Calculate Taxable Income: Subtract pre-tax deductions (medical, dental premiums, retirement contributions) from the annualized gross pay.
Determine Federal Withholding: Using IRS tables and your W-4 information (allowances and additional withholding), estimate the federal income tax for the annual taxable income and then prorate it back to the current pay period.
Calculate FICA Taxes: Apply the Social Security and Medicare tax rates to the gross pay for the current period (up to annual limits where applicable).
Calculate Arizona State Income Tax: Apply Arizona's graduated tax rates to the annualized taxable income and prorate it back to the current pay period.
Total Deductions: Sum up the estimated Federal Tax, Social Security, Medicare, and Arizona State Tax, plus any additional withholding.
Calculate Net Pay: Subtract the total deductions from the gross pay for the current pay period.
Disclaimer: This calculator is for informational purposes only and does not constitute financial or tax advice. Tax laws and rates are subject to change. Consult with a qualified tax professional or ADP for accurate payroll information.
function calculatePaycheck() {
var grossPay = parseFloat(document.getElementById("grossPay").value);
var payFrequency = document.getElementById("payFrequency").value;
var allowances = parseInt(document.getElementById("allowances").value);
var additionalTax = parseFloat(document.getElementById("additionalTax").value);
var medicalPremium = parseFloat(document.getElementById("medicalPremium").value);
var dentalPremium = parseFloat(document.getElementById("dentalPremium").value);
var retirementContributionPercent = parseFloat(document.getElementById("retirementContribution").value);
// Validate inputs
if (isNaN(grossPay) || grossPay < 0) {
alert("Please enter a valid Gross Pay amount.");
return;
}
if (isNaN(allowances) || allowances < 0) {
alert("Please enter a valid number of Allowances.");
return;
}
if (isNaN(additionalTax) || additionalTax < 0) {
alert("Please enter a valid Additional Federal Withholding amount.");
return;
}
if (isNaN(medicalPremium) || medicalPremium < 0) {
alert("Please enter a valid Medical Premium amount.");
return;
}
if (isNaN(dentalPremium) || dentalPremium < 0) {
alert("Please enter a valid Dental Premium amount.");
return;
}
if (isNaN(retirementContributionPercent) || retirementContributionPercent 100) {
alert("Please enter a valid Retirement Contribution percentage between 0 and 100.");
return;
}
var payPeriodsPerYear;
switch (payFrequency) {
case "weekly":
payPeriodsPerYear = 52;
break;
case "biweekly":
payPeriodsPerYear = 26;
break;
case "semimonthly":
payPeriodsPerYear = 24;
break;
case "monthly":
payPeriodsPerYear = 12;
break;
default:
payPeriodsPerYear = 26; // Default to bi-weekly if something goes wrong
}
var annualGrossPay = grossPay * payPeriodsPerYear;
// — Deductions —
var totalPreTaxDeductions = medicalPremium + dentalPremium;
var retirementContributionAmount = (annualGrossPay * (retirementContributionPercent / 100));
// Ensure retirement doesn't exceed annual gross pay (though usually capped by plan limits)
retirementContributionAmount = Math.min(retirementContributionAmount, annualGrossPay);
var taxableIncome = annualGrossPay – totalPreTaxDeductions – retirementContributionAmount;
// Ensure taxable income is not negative
taxableIncome = Math.max(taxableIncome, 0);
// — Federal Tax Calculation (Simplified based on W-4 allowances) —
// This is a simplified approximation. Real calculations use IRS withholding tables.
// For simplicity, we'll use a rough percentage estimate per allowance.
// A common simplified approach: Assume a certain amount deducted per allowance annually.
// More accurate would be to use IRS Publication 15-T.
var federalTaxPerPeriod = 0;
// Example simplified federal tax logic: Base tax + tax per income bracket – tax reduction per allowance.
// This is highly generalized. A real calculator would need IRS tables.
// Let's use a placeholder annual federal tax rate for demonstration, adjusted by allowances.
var estimatedAnnualFederalTaxRate = 0.15; // Placeholder – actual rate varies greatly
var annualFederalTax = taxableIncome * estimatedAnnualFederalTaxRate;
var taxAllowanceReduction = allowances * 1000; // Rough annual reduction per allowance
annualFederalTax = Math.max(0, annualFederalTax – taxAllowanceReduction);
federalTaxPerPeriod = (annualFederalTax + additionalTax * payPeriodsPerYear) / payPeriodsPerYear;
// — FICA Taxes —
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var socialSecurityLimit = 168600; // 2024 limit
var annualSocialSecurityTax = 0;
if (annualGrossPay <= socialSecurityLimit) {
annualSocialSecurityTax = annualGrossPay * socialSecurityRate;
} else {
annualSocialSecurityTax = socialSecurityLimit * socialSecurityRate;
}
var socialSecurityTaxPerPeriod = annualSocialSecurityTax / payPeriodsPerYear;
// Medicare tax does not have a wage base limit, but an additional rate applies for high earners.
// We'll ignore the additional Medicare tax for simplicity in this example.
var medicareTaxPerPeriod = grossPay * medicareRate;
// — Arizona State Income Tax —
// Arizona has graduated rates. Using 2023/2024 approximate brackets for demonstration.
// Rates and brackets can change. Consult AZ DOR for official info.
var azStateTaxPerPeriod = 0;
var annualAZTaxableIncome = taxableIncome; // For AZ, it's typically similar to federal taxable income after pre-tax deductions.
// Arizona Tax Brackets (Example – subject to change)
if (annualAZTaxableIncome <= 16000) {
azStateTaxPerPeriod = (annualAZTaxableIncome * 0.02) / payPeriodsPerYear;
} else if (annualAZTaxableIncome <= 24000) {
azStateTaxPerPeriod = (16000 * 0.02 + (annualAZTaxableIncome – 16000) * 0.025) / payPeriodsPerYear;
} else if (annualAZTaxableIncome <= 32000) {
azStateTaxPerPeriod = (16000 * 0.02 + 8000 * 0.025 + (annualAZTaxableIncome – 24000) * 0.029) / payPeriodsPerYear;
} else if (annualAZTaxableIncome <= 40000) {
azStateTaxPerPeriod = (16000 * 0.02 + 8000 * 0.025 + 8000 * 0.029 + (annualAZTaxableIncome – 32000) * 0.035) / payPeriodsPerYear;
} else { // Above 40000
azStateTaxPerPeriod = (16000 * 0.02 + 8000 * 0.025 + 8000 * 0.029 + 8000 * 0.035 + (annualAZTaxableIncome – 40000) * 0.0475) / payPeriodsPerYear;
}
// Note: Arizona's tax structure changed significantly, moving towards a flat rate.
// The above brackets are illustrative of *past* graduated structures.
// A more current approximation would be a flat rate on taxable income.
// For 2023, the highest rate was 4.5%. For 2024, it's moving towards a flat 2.5%.
// Let's use a simplified flat rate approximation for AZ for now:
var AZ_FLAT_TAX_RATE_APPROX = 0.025; // Example for 2024
azStateTaxPerPeriod = (annualAZTaxableIncome * AZ_FLAT_TAX_RATE_APPROX) / payPeriodsPerYear;
azStateTaxPerPeriod = Math.max(0, azStateTaxPerPeriod);
// — Total Deductions for the Period —
var totalDeductions = federalTaxPerPeriod + socialSecurityTaxPerPeriod + medicareTaxPerPeriod + azStateTaxPerPeriod;
// — Net Pay Calculation —
var netPay = grossPay – totalDeductions – medicalPremium – dentalPremium – retirementContributionAmount / payPeriodsPerYear; // Deduct pre-tax contributions on a per-period basis
netPay = Math.max(0, netPay); // Ensure net pay is not negative
// — Display Result —
document.getElementById("result-value").innerText = "$" + netPay.toFixed(2);
}