Enter your details and click "Calculate Net Pay" to see your estimated take-home pay.
function calculatePaycheck() {
var grossPayPerPeriod = parseFloat(document.getElementById('grossPayPerPeriod').value);
var payFrequency = document.getElementById('payFrequency').value;
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value);
// Input validation
if (isNaN(grossPayPerPeriod) || grossPayPerPeriod < 0) {
document.getElementById('result').innerHTML = 'Please enter a valid Gross Pay per Pay Period.';
return;
}
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) {
document.getElementById('result').innerHTML = 'Please enter valid Pre-tax Deductions.';
return;
}
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) {
document.getElementById('result').innerHTML = 'Please enter valid Post-tax Deductions.';
return;
}
var periodsPerYear;
switch (payFrequency) {
case 'weekly':
periodsPerYear = 52;
break;
case 'bi-weekly':
periodsPerYear = 26;
break;
case 'semi-monthly':
periodsPerYear = 24;
break;
case 'monthly':
periodsPerYear = 12;
break;
default:
periodsPerYear = 26; // Default to bi-weekly
}
var annualGrossPay = grossPayPerPeriod * periodsPerYear;
var annualPreTaxDeductions = preTaxDeductions * periodsPerYear;
// — FICA Taxes (Social Security & Medicare) —
var socialSecurityRate = 0.062;
var socialSecurityWageBase = 168600; // 2024 limit
var medicareRate = 0.0145;
var annualTaxableForFICA = annualGrossPay; // FICA is generally on gross pay before pre-tax deductions
var annualSocialSecurityTax = Math.min(annualTaxableForFICA, socialSecurityWageBase) * socialSecurityRate;
var annualMedicareTax = annualTaxableForFICA * medicareRate;
var ficaTaxPerPeriod = (annualSocialSecurityTax + annualMedicareTax) / periodsPerYear;
// — Federal Income Tax —
var annualFederalStandardDeduction;
if (federalFilingStatus === 'single') {
annualFederalStandardDeduction = 14600; // 2024 Single
} else { // Married Filing Jointly
annualFederalStandardDeduction = 29200; // 2024 MFJ
}
var annualFederalTaxableIncome = annualGrossPay – annualPreTaxDeductions – annualFederalStandardDeduction;
if (annualFederalTaxableIncome < 0) annualFederalTaxableIncome = 0;
var annualFederalTax = 0;
if (federalFilingStatus === 'single') {
if (annualFederalTaxableIncome <= 11600) {
annualFederalTax = annualFederalTaxableIncome * 0.10;
} else if (annualFederalTaxableIncome <= 47150) {
annualFederalTax = 11600 * 0.10 + (annualFederalTaxableIncome – 11600) * 0.12;
} else if (annualFederalTaxableIncome <= 100525) {
annualFederalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (annualFederalTaxableIncome – 47150) * 0.22;
} else if (annualFederalTaxableIncome <= 191950) {
annualFederalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (annualFederalTaxableIncome – 100525) * 0.24;
} else if (annualFederalTaxableIncome <= 243725) {
annualFederalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (annualFederalTaxableIncome – 191950) * 0.32;
} else if (annualFederalTaxableIncome <= 609350) {
annualFederalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (243725 – 191950) * 0.32 + (annualFederalTaxableIncome – 243725) * 0.35;
} else {
annualFederalTax = 11600 * 0.10 + (47150 – 11600) * 0.12 + (100525 – 47150) * 0.22 + (191950 – 100525) * 0.24 + (243725 – 191950) * 0.32 + (609350 – 243725) * 0.35 + (annualFederalTaxableIncome – 609350) * 0.37;
}
} else { // Married Filing Jointly
if (annualFederalTaxableIncome <= 23200) {
annualFederalTax = annualFederalTaxableIncome * 0.10;
} else if (annualFederalTaxableIncome <= 94300) {
annualFederalTax = 23200 * 0.10 + (annualFederalTaxableIncome – 23200) * 0.12;
} else if (annualFederalTaxableIncome <= 201050) {
annualFederalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (annualFederalTaxableIncome – 94300) * 0.22;
} else if (annualFederalTaxableIncome <= 383900) {
annualFederalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (annualFederalTaxableIncome – 201050) * 0.24;
} else if (annualFederalTaxableIncome <= 487450) {
annualFederalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (annualFederalTaxableIncome – 383900) * 0.32;
} else if (annualFederalTaxableIncome <= 731200) {
annualFederalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (487450 – 383900) * 0.32 + (annualFederalTaxableIncome – 487450) * 0.35;
} else {
annualFederalTax = 23200 * 0.10 + (94300 – 23200) * 0.12 + (201050 – 94300) * 0.22 + (383900 – 201050) * 0.24 + (487450 – 383900) * 0.32 + (731200 – 487450) * 0.35 + (annualFederalTaxableIncome – 731200) * 0.37;
}
}
if (annualFederalTax < 0) annualFederalTax = 0; // Ensure tax is not negative
var federalTaxPerPeriod = annualFederalTax / periodsPerYear;
// — Arizona State Income Tax —
// Arizona has a flat tax rate of 2.5% for 2024.
// Taxable income for AZ is generally gross income minus certain deductions, but for simplicity,
// we'll use annualGrossPay – annualPreTaxDeductions as the base for the flat tax.
var annualAZTaxableIncome = annualGrossPay – annualPreTaxDeductions;
if (annualAZTaxableIncome < 0) annualAZTaxableIncome = 0;
var azStateTaxRate = 0.025; // 2.5% flat rate for 2024
var annualAZTax = annualAZTaxableIncome * azStateTaxRate;
var azStateTaxPerPeriod = annualAZTax / periodsPerYear;
// — Calculate Net Pay —
var totalDeductionsPerPeriod = preTaxDeductions + ficaTaxPerPeriod + federalTaxPerPeriod + azStateTaxPerPeriod + postTaxDeductions;
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
// Format results
var formattedGrossPay = grossPayPerPeriod.toFixed(2);
var formattedPreTaxDeductions = preTaxDeductions.toFixed(2);
var formattedFicaTax = ficaTaxPerPeriod.toFixed(2);
var formattedFederalTax = federalTaxPerPeriod.toFixed(2);
var formattedAzStateTax = azStateTaxPerPeriod.toFixed(2);
var formattedPostTaxDeductions = postTaxDeductions.toFixed(2);
var formattedNetPay = netPayPerPeriod.toFixed(2);
var resultsHtml = `
Gross Pay per Period: $${formattedGrossPay}
Pre-tax Deductions: $${formattedPreTaxDeductions}
FICA Taxes (Social Security & Medicare): $${formattedFicaTax}
Federal Income Tax: $${formattedFederalTax}
Arizona State Income Tax: $${formattedAzStateTax}
Post-tax Deductions: $${formattedPostTaxDeductions}
Estimated Net Pay per Period:$${formattedNetPay}
`;
document.getElementById('result').innerHTML = resultsHtml;
}
Understanding Your Arizona Paycheck
Navigating your paycheck can sometimes feel like deciphering a secret code. This Arizona Paycheck Calculator is designed to help you understand how your gross earnings translate into your net take-home pay, specifically for residents working in Arizona. It accounts for federal taxes, FICA contributions, and Arizona's unique state income tax structure.
How Your Paycheck is Calculated
Your net pay is determined by subtracting various deductions from your gross pay. Here's a breakdown of the main components:
1. Gross Pay
This is your total earnings before any deductions. It can be an hourly wage multiplied by hours worked, a fixed salary amount per pay period, or commission. Our calculator uses your "Gross Pay per Pay Period" as the starting point.
2. Pre-tax Deductions
These are deductions taken from your gross pay before taxes are calculated. Common examples include:
Health, dental, and vision insurance premiums
Contributions to a 401(k), 403(b), or traditional IRA
Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs)
Pre-tax deductions reduce your taxable income, meaning you pay less in federal and state income taxes.
3. FICA Taxes (Social Security & Medicare)
FICA stands for the Federal Insurance Contributions Act. These are mandatory federal taxes that fund Social Security and Medicare programs.
Social Security: As of 2024, employees contribute 6.2% of their earnings up to an annual wage base limit of $168,600.
Medicare: Employees contribute 1.45% of all earnings, with no wage base limit.
Your employer also pays a matching amount for both Social Security and Medicare.
4. Federal Income Tax
This is the largest deduction for most people and is withheld based on the information you provide on your W-4 form (filing status, dependents, other adjustments). The calculator estimates this based on your filing status and the current federal tax brackets and standard deductions for 2024.
5. Arizona State Income Tax
Arizona has a unique state income tax system. For the 2024 tax year, Arizona has implemented a flat tax rate of 2.5% on taxable income. This simplifies state tax calculations significantly compared to states with multiple tax brackets.
6. Post-tax Deductions
These deductions are taken from your pay after all taxes have been calculated and withheld. Examples include:
Roth 401(k) or Roth IRA contributions
Union dues
Garnishments
Charitable contributions through payroll
Example Calculation
Let's consider an example using the calculator's default values:
Gross Pay per Pay Period: $2,000 (Bi-weekly)
Pay Frequency: Bi-Weekly (26 periods per year)
Federal Filing Status: Single
Pre-tax Deductions: $100 per period
Post-tax Deductions: $50 per period
Step 1: Annualize Gross Pay & Pre-tax Deductions
Annual Gross Pay: $2,000 * 26 = $52,000
Annual Pre-tax Deductions: $100 * 26 = $2,600
Step 2: Calculate FICA Taxes
Social Security (6.2% of $52,000): $3,224.00 annually / 26 = $124.00 per period
Medicare (1.45% of $52,000): $754.00 annually / 26 = $29.00 per period
Total FICA per period: $124.00 + $29.00 = $153.00
Step 3: Calculate Federal Income Tax
Annual Taxable Income for Federal: $52,000 (Gross) – $2,600 (Pre-tax) – $14,600 (Single Standard Deduction) = $34,800
Applying 2024 Single Brackets:
10% on $11,600 = $1,160
12% on ($34,800 – $11,600) = 12% on $23,200 = $2,784
Total Annual Federal Tax: $1,160 + $2,784 = $3,944
Federal Tax per Period: $3,944 / 26 = $151.69
Step 4: Calculate Arizona State Income Tax
Annual Taxable Income for AZ: $52,000 (Gross) – $2,600 (Pre-tax) = $49,400
AZ State Tax (2.5% of $49,400): $1,235.00 annually
AZ State Tax per Period: $1,235.00 / 26 = $47.50
Step 5: Calculate Net Pay
Gross Pay: $2,000.00
Minus Pre-tax Deductions: $100.00
Minus FICA Taxes: $153.00
Minus Federal Income Tax: $151.69
Minus Arizona State Income Tax: $47.50
Minus Post-tax Deductions: $50.00
Estimated Net Pay per Period: $2,000 – $100 – $153 – $151.69 – $47.50 – $50 = $1,497.81
This calculator provides an estimate and should not be considered financial or tax advice. For precise figures, consult a tax professional or your employer's payroll department.