{
  "slug": "phoenix-paycheck-calculator",
  "title": "Phoenix Paycheck Calculator — Take-Home Pay (2026)",
  "heading": "Phoenix Paycheck Calculator",
  "category": "financial",
  "url": "https://www.revenuelab.fyi/toolbox/phoenix-paycheck-calculator",
  "summary": "An $85,000 salary in Phoenix nets about $66,434 a year after federal and Arizona tax.",
  "description": "Compute real take-home pay in Phoenix for 2026: federal brackets, Arizona state income tax, Social Security, and Medicare. Phoenix has no city income tax — Arizona's flat 2.5% state rate is the only state-level withholding.",
  "formula": "Take-home = gross − pre-tax deductions − federal income tax − state income tax (if any) − Social Security (6.2% up to the wage base) − Medicare (1.45%).",
  "dateModified": "2026-08-31",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=phoenix-paycheck-calculator",
  "inputs": [
    {
      "id": "salary",
      "label": "Gross annual salary",
      "kind": "number",
      "hint": null,
      "default": 85000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "status",
      "label": "Filing status",
      "kind": "select",
      "hint": null,
      "default": "single",
      "options": [
        {
          "value": "single",
          "label": "Single"
        },
        {
          "value": "married",
          "label": "Married filing jointly"
        }
      ]
    },
    {
      "id": "pretax",
      "label": "Pre-tax deductions",
      "kind": "number",
      "hint": "401(k), HSA, health premiums",
      "default": 0,
      "unit": "$",
      "min": 0,
      "max": null
    }
  ],
  "outputs": [
    {
      "id": "net",
      "label": "Annual take-home pay",
      "format": "currency",
      "hint": null,
      "primary": true
    },
    {
      "id": "monthly",
      "label": "Per month",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "biweekly",
      "label": "Per biweekly paycheck",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "weekly",
      "label": "Per week",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "fed",
      "label": "Federal income tax",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "state",
      "label": "Arizona income tax",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "fica",
      "label": "Social Security + Medicare",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "effective",
      "label": "Total effective tax rate",
      "format": "percent",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Gross annual salary: 85000 $",
      "Filing status: Single",
      "Pre-tax deductions: 0 $"
    ],
    "outputs": [
      "Annual take-home pay: $66,433.50",
      "Per month: $5,536.13",
      "Per biweekly paycheck: $2,555.13",
      "Per week: $1,277.57",
      "Federal income tax: $10,314.00",
      "Arizona income tax: $1,750.00",
      "Social Security + Medicare: $6,502.50",
      "Total effective tax rate: 21.8%"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter gross annual salary ($).",
      "Enter filing status.",
      "Enter pre-tax deductions ($) — 401(k), HSA, health premiums.",
      "Read your annual take-home pay on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Single, no deductions",
      "values": {
        "salary": 85000,
        "status": "single",
        "pretax": 0
      }
    },
    {
      "name": "Married filing jointly",
      "values": {
        "salary": 85000,
        "status": "married",
        "pretax": 0
      }
    },
    {
      "name": "Single, 8% into 401(k)",
      "values": {
        "salary": 85000,
        "status": "single",
        "pretax": 6800
      }
    }
  ],
  "limitations": [
    "Results are estimates before tax, fees, and inflation unless an input explicitly covers them.",
    "Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.",
    "This is educational maths, not financial advice. Check anything contractual with the lender or your accountant."
  ],
  "faq": [
    {
      "q": "How much is an $85,000 salary after taxes in Phoenix?",
      "a": "Filing single with no pre-tax deductions, an $85,000 salary in Phoenix works out to roughly $66,434 take-home for 2026 — about $5,536 per month or $2,555 per biweekly paycheck."
    },
    {
      "q": "Does Phoenix tax wages locally?",
      "a": "No. Phoenix has no city income tax — Arizona's flat 2.5% state rate is the only state-level withholding."
    },
    {
      "q": "What taxes come out of a Phoenix paycheck?",
      "a": "Federal income tax, Social Security (6.2% up to the annual wage base), Medicare (1.45%), Arizona state income tax."
    },
    {
      "q": "How do I estimate my Phoenix biweekly paycheck?",
      "a": "Enter your annual salary above and read the per-paycheck line — it divides your annual take-home by 26. Remember bonuses and commissions may be withheld at different flat rates."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/take-home-pay-arizona",
    "https://www.revenuelab.fyi/toolbox/take-home-pay",
    "https://www.revenuelab.fyi/toolbox/income-tax",
    "https://www.revenuelab.fyi/toolbox/overtime-pay-calculator"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — Phoenix Paycheck Calculator — Take-Home Pay (2026) (https://www.revenuelab.fyi/toolbox/phoenix-paycheck-calculator)"
}