Estimate your net pay in Arizona based on your gross earnings and other relevant deductions.
Weekly
Bi-Weekly
Semi-Monthly
Monthly
Estimated Net Pay:
Understanding Your Arizona Paycheck Calculation
This calculator provides an estimate of your take-home pay (net pay) in Arizona. It considers various deductions beyond just taxes, helping you get a clearer picture of your earnings. While this tool aims for accuracy, it's important to note that actual paychecks may vary slightly due to specific payroll system configurations or less common deductions.
Key Components of Your Paycheck Calculation:
Gross Pay: This is your total earnings before any deductions are taken out. It's typically based on your hourly rate multiplied by the hours worked, or your salary divided by your pay periods.
Pay Frequency: How often you receive your paycheck (weekly, bi-weekly, semi-monthly, or monthly). This affects how certain annual taxes and deductions are prorated per paycheck.
Federal Income Tax Withholding: Calculated based on your W-4 form information (allowances) and IRS tax tables. The amount withheld changes with tax laws and your filing status.
Social Security and Medicare Taxes (FICA): These are federal taxes. Social Security has a wage base limit (for 2023, it was $160,200), and Medicare has no wage limit. The rates are fixed at 6.2% for Social Security and 1.45% for Medicare.
Arizona State Income Tax Withholding: Arizona has a progressive income tax system. The amount withheld depends on your gross pay, filing status, and the number of allowances you claim on your Arizona A-4 form.
Additional Withholding: Any extra amount you voluntarily choose to have withheld for federal or state income tax to potentially avoid owing taxes at the end of the year.
Pre-Tax Deductions: These are deductions taken out before federal and state income taxes are calculated, reducing your taxable income. Common examples include:
Health, Dental, and Vision Insurance Premiums: Often offered by employers and can be deducted pre-tax.
Retirement Contributions (e.g., 401(k)): Contributions to eligible retirement plans are typically made on a pre-tax basis, lowering your current taxable income.
Post-Tax Deductions: Deductions taken out after taxes have been calculated. These do not reduce your taxable income.
Net Pay: This is your final take-home pay – what's left after all deductions and taxes have been subtracted from your gross pay.
Arizona Specifics:
Arizona state income tax rates vary based on income brackets. The withholding calculation considers these progressive rates. Unlike some states, Arizona does not have a local income tax.
Disclaimer:
This calculator is for estimation purposes only. It uses standard tax rates and common deduction calculations. It does not account for all possible tax situations, such as bonuses, commissions, multiple jobs, or specific employer plan details. For precise figures, consult your official pay stub or contact your HR/Payroll department. Consult with a qualified tax professional for personalized advice.
function calculatePaycheck() {
// Get input values
var grossPay = parseFloat(document.getElementById("grossPay").value);
var payFrequency = document.getElementById("payFrequency").value;
var federalAllowances = parseInt(document.getElementById("federalAllowances").value) || 0;
var additionalFederalTax = parseFloat(document.getElementById("additionalFederalTax").value) || 0;
var medicalInsurance = parseFloat(document.getElementById("medicalInsurance").value) || 0;
var dentalInsurance = parseFloat(document.getElementById("dentalInsurance").value) || 0;
var visionInsurance = parseFloat(document.getElementById("visionInsurance").value) || 0;
var retirementContributionPercent = parseFloat(document.getElementById("retirementContribution").value) || 0.0;
// Basic validation
if (isNaN(grossPay) || grossPay grossPay) {
totalPreTaxDeductions = grossPay;
// Recalculate retirement contribution if capped by insurance premiums
if (totalInsurancePremiums < grossPay) {
retirementContributionAmount = grossPay – totalInsurancePremiums;
} else {
retirementContributionAmount = 0;
}
}
var taxableIncomeBeforeTaxes = grossPay – totalPreTaxDeductions;
if (taxableIncomeBeforeTaxes < 0) taxableIncomeBeforeTaxes = 0; // Cannot have negative taxable income
// 3. Calculate Federal Income Tax Withholding
// Simplified W-4 calculation: Reduce taxable income by allowance value.
// NOTE: This is a highly simplified model. Real withholding uses IRS Publication 15-T tables based on pay frequency, filing status, etc.
var adjustedTaxableIncomeFederal = taxableIncomeFederal – (federalAllowances * federalAllowanceValueApprox * (52 / payPeriodsPerYear));
if (adjustedTaxableIncomeFederal < 0) adjustedTaxableIncomeFederal = 0;
var federalIncomeTax = 0;
var incomeToTax = adjustedTaxableIncomeFederal;
for (var i = 0; i < federalTaxBrackets.length; i++) {
var bracket = federalTaxBrackets[i];
var taxableAmountInBracket;
if (incomeToTax <= 0) break;
if (i === 0) {
taxableAmountInBracket = Math.min(incomeToTax, bracket.limit);
} else {
var previousBracketLimit = federalTaxBrackets[i-1].limit;
taxableAmountInBracket = Math.min(incomeToTax, bracket.limit – previousBracketLimit);
}
if (taxableAmountInBracket < 0) taxableAmountInBracket = 0; // Ensure we don't tax negative amounts
federalIncomeTax += taxableAmountInBracket * bracket.rate;
incomeToTax -= taxableAmountInBracket;
}
federalIncomeTax += additionalFederalTax; // Add any extra withholding specified
// 4. Calculate FICA Taxes (Social Security & Medicare)
var socialSecurityTax = Math.min(grossPay, ficaSocialSecurityWageBase / payPeriodsPerYear) * ficaSocialSecurityRate;
var medicareTax = grossPay * ficaMedicareRate;
var ficaTaxes = socialSecurityTax + medicareTax;
// 5. Calculate Arizona State Income Tax Withholding
// Simplified: Apply flat rate to taxable income after pre-tax deductions.
// NOTE: Real AZ withholding uses specific tables and allowances.
var arizonaTaxableIncome = taxableIncomeBeforeTaxes; // Often similar to federal taxable income before federal tax calculation
// Some states might have specific deductions or exemptions not modeled here.
// A simplified approach might just use gross pay minus pre-tax for state tax base.
var stateIncomeTax = arizonaTaxableIncome * arizonaStateTaxRate;
if (stateIncomeTax < 0) stateIncomeTax = 0;
// 6. Calculate Total Deductions
var totalTaxDeductions = federalIncomeTax + ficaTaxes + stateIncomeTax;
var totalDeductions = totalPreTaxDeductions + totalTaxDeductions;
// 7. Calculate Net Pay
var netPay = grossPay – totalDeductions;
if (netPay < 0) netPay = 0; // Net pay cannot be negative
// Display the result
document.getElementById("netPayResult").innerText = "$" + netPay.toFixed(2);
document.getElementById("result").style.display = "block";
}