Arizona charges 2.5% flat state income tax. Use the retirement withdrawal calculator pre-loaded with Arizona rates.
Open Retirement Withdrawal Calculator →Retirement distributions in Arizona are generally subject to the flat 2.5% state income tax, though some states exempt Social Security or a portion of pension income. Traditional IRA and 401(k) withdrawals are taxed as ordinary income at both the federal and Arizona state level. Understanding the combined federal and state tax on withdrawals is essential for retirement planning. This calculator models your after-tax income from retirement accounts with Arizona's specific rates applied.
Arizona levies a flat 2.5% state income tax on all taxable income regardless of how much you earn. This makes tax planning straightforward: for every additional dollar you earn, 2.5 cents goes to Arizona. Arizona does not impose local income taxes, so the 2.5% flat rate is the only state-level income tax you owe.
The table below shows what you actually keep at five salary levels in Arizona, accounting for federal tax, FICA, and Arizona's flat 2.5% state tax.
See how Arizona compares to other West states. Each link takes you to the retirement withdrawal calculator landing page for that state.
For a comprehensive breakdown of Arizona’s tax structure, salary comparisons, cost-of-living analysis, and more, visit the full Arizona take-home pay page.