Kept

Arizona

Phoenix cost of living

Sun Belt growth, a 2.5% flat state tax, and summers that drive up power bills. A comfortable single-earner budget here is about $94,000. $100,000 take-home is $76,889 (76.9% kept).

2026 paycheck inputs

Match the frequency below. Hourly is hours per week × 52. Dollar signs and commas are fine.

Take-home

$76,889

$6,407 a month · 76.9% of gross after tax

Monthly
$6,407
Biweekly
$2,957
Weekly
$1,479
Hourly take-home
$36.97
Effective tax rate
23.1%
Federal marginal
22.0%
Federal income tax$13,170
State income tax$2,291
Social Security$6,200
Medicare$1,450
Total tax$23,111

Arizona uses a flat 2.5% rate. Annual liability estimate for tax year 2026, not a W-4 withholding forecast.

State guideCity cost of livingW-2 vs 1099

COL index

110

Typical 1-bed

$1,550/mo

Median household

$72,000

Is this salary enough?

$50,000

Tight

$60,000

Tight

$70,000

Stretch

$75,000

Stretch

$80,000

Stretch

$90,000

Stretch

$100,000

Solid

$110,000

Solid

$120,000

Solid

$125,000

Solid

$135,000

Solid

$150,000

High

$175,000

High

$200,000

High

$250,000

High

$300,000

High

State tax: Arizona paycheck calculator.

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