TAKE-HOME PAY · TY 2026

$20,000 after taxes in Arizona

Arizona applies a flat state rate of 2.5% on your income, on top of federal tax and FICA.

If you earn $20,000 a year in Arizona, you keep about

$17,580

per year · effective tax rate: 12.1%

$1,465
per month
$676
per biweekly check
$8
per hour

Tax breakdown

Gross salary$20,000
Federal income tax-$390
State income tax (Arizona)-$500
Social Security (6.2%)-$1,240
Medicare (1.45%)-$290
Take-home pay$17,580

Adjust the calculation to your case

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01Income
02Location & taxes
03Pre-tax deductions
04After tax
Annual take-home
$17,580
$1,465 / month  ·  $676 / paycheck
Per paycheck
$676
Effective rate
12.1%
Federal marginal rate
10.0%
Breakdown
Gross salary$20,000
Federal tax-$390
Social Security (FICA)-$1,240
Medicare (FICA)-$290
State tax-$500
= Take-home$17,580
Educational estimate. Not a replacement for your CPA. Calculations based on published TY 2026 rates.

Frequently asked questions

How much is $20,000 a year after taxes in Arizona?

About $17,580 net per year: $1,465 per month or $676 per biweekly paycheck. Assumes single filing with the 2026 standard deduction and no voluntary contributions.

How much tax do I pay on a $20,000 salary in Arizona?

About $2,420 per year: $390 federal income tax, $500 state income tax, $1,240 Social Security and $290 Medicare. Effective rate: 12.1%.

How much is $20,000 a year per hour?

Gross, $10 per hour (2,080 hours per year). Net of taxes in Arizona, about $8 per hour.

Does this include 401(k) or health insurance?

No: the basic calculation covers federal, state and FICA taxes only, free with no sign-up. To adjust voluntary contributions like 401(k), HSA or health premiums, sign up free with your email in the calculator.

$20,000 in other states

Other salaries in Arizona

* Estimate using 2026 federal brackets and approximate state rates. Does not include local/city taxes or personal credits. Not tax advice.