Loading…
Loading…
Estimate federal and Arizona tax for 2026, then compare with withholding to see if you may receive a refund or owe additional tax.
As of 2026 · Arizona state data: Arizona Department of Revenue
Federal tax after credits
$9,278.1
State tax
$1,891.25
FICA
$7,650
Estimated refund
$180.65
For this sample profile, effective tax rate is 18.82% and the estimated refund is $180.65.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Estimated amount owed
$5,073.85
Your tax is $21,074. With $16,000 withheld, you may owe $5,074.
Federal tax (after credits)
$11,850.1
State tax
$1,956.25
FICA (SS + Medicare)
$7,267.5
Child tax credit
$0
Effective tax rate
22.18%
Marginal tax rate
32.15%
AGI
$94,000
Taxable income (federal)
$77,900
Arizona uses progressive income tax brackets. Single and married filing jointly rates:
| Taxable Income | Rate |
|---|---|
| $0+ | 2.50% |
| Taxable Income | Rate |
|---|---|
| $0+ | 2.50% |
This estimator uses IRS 2026 federal brackets, the selected state tax brackets, and employee FICA rates to estimate your total annual tax.
Refund or amount owed is computed as withholding minus total tax. Positive means refund; negative means additional tax due.
Child tax credit is modeled at $2,000 per dependent with phaseout assumptions beginning at $200,000 (single/HOH) and $400,000 (married filing jointly).
Data and assumptions align with official publications. For verification and current figures:
Arizona uses a flat-rate state income tax of 2.50% applied uniformly to all wage income above any state-specific deduction or exemption. Unlike progressive states, a single rate makes withholding straightforward: every additional dollar earned is taxed at the same marginal rate. Arizona's state standard deduction is $15,750 for single filers and $31,500 for married filing jointly in 2026.
For tax returns filed in Arizona, federal income tax follows IRS 2026 brackets and FICA is withheld at 7.65% (employee share). Arizona requires a separate state return; state taxable income is generally federal AGI minus state-specific deductions (state standard deduction $15,750 single / $31,500 married for 2026).
Data current as of 2026; verify with Arizona Department of Revenue (https://azdor.gov/news-center/ador-outlines-executive-order-and-2025-tax-year-income-tax-forms) before relying on these figures for filing.
A simplified estimate compares total tax liability against withholding year-to-date. If withholding is greater than estimated total tax, the difference is a potential refund. If withholding is lower, you may owe additional tax when filing.
This estimator includes federal income tax brackets, state income tax by state, employee FICA (Social Security and Medicare), and a simplified child tax credit model. It also accounts for common pre-tax adjustments like 401(k), HSA, and IRA contributions.
AGI is modeled as gross wages plus other income minus selected pre-tax contributions and half of entered student loan interest deduction. This is a planning approximation intended for quick tax forecasting, not filing preparation.
Refund estimates are sensitive to withholding, bonuses, side income, and credits. If your income pattern changes during the year, your final federal and state tax may differ from earlier estimates even with the same filing status.
A single filer earning $50,000 of W-2 wages in Arizona (2026, standard deduction, no dependents) owes about $3,820 federal income tax, $856.25 Arizona state tax, and $3,825 FICA — total tax around $8,501.25 (effective rate 17.00%).
A single filer earning $75,000 of W-2 wages in Arizona (2026, standard deduction, no dependents) owes about $7,670.1 federal income tax, $1,481.25 Arizona state tax, and $5,737.5 FICA — total tax around $14,888.85 (effective rate 19.85%).
A single filer earning $100,000 of W-2 wages in Arizona (2026, standard deduction, no dependents) owes about $13,170.1 federal income tax, $2,106.25 Arizona state tax, and $7,650 FICA — total tax around $22,926.35 (effective rate 22.93%).
Arizona uses a flat state income tax of 2.50% on taxable wage income for 2026. There are no income-based brackets.
Federal tax returns are due April 15 (or the next business day if that falls on a weekend or holiday). Arizona state returns are generally due the same day as the federal return. Extensions of six months are available but do not delay tax payment.
The federal standard deduction for 2026 is $16,100 for single filers and $32,200 for married filing jointly, applied before federal brackets. Arizona adds its own state standard deduction of $15,750 single / $31,500 married for 2026.
Compare your total estimated tax (federal + state + FICA) to your total withholding (federal + state YTD W-2 box 2 and box 17) — if withholding exceeds total tax you get a refund; otherwise you owe. Common refund boosters: dependents (Child Tax Credit up to $2,000 each), 401(k) and HSA contributions reducing AGI, student-loan interest, and itemized deductions when they exceed the standard. Use the calculator above to model your scenario.
Mortgage Early Payoff
Calculate how extra payments reduce your mortgage term and total interest paid. Supports annuity and differentiated payment schedules.
Retirement Savings
Project your retirement savings with compound interest, employer matching, and inflation adjustment. Based on the 4% withdrawal rule.
Dividend Tax
Calculate net dividends after tax across 8 countries. Includes withholding rates, surcharges, and tax-free allowances.
Salary After Tax Calculator (2026)
Free salary after tax calculator. Find take-home pay for USA (all 50 states), UK, Germany, Canada, France, Australia, Japan, Poland. Federal and state tax.
Debt Payoff
Compare avalanche and snowball strategies to pay off multiple debts. See total interest saved and your debt-free date.
Compound Interest
Calculate how your savings grow with compound interest. Initial deposit, monthly contributions, and year-by-year breakdown.