Arizona Pay Stub Generator -- Free

Arizona's economy has been one of the fastest-growing in the United States for the past decade. The Phoenix metropolitan area -- the fifth largest in the country -- has attracted major technology companies (Intel has one of its largest chip fabrication campuses in Chandler), semiconductor manufacturing (TSMC's Arizona fab), financial services (Charles Schwab relocated its headquarters to Westlake, Texas, with major operations in Arizona), and healthcare (Mayo Clinic has a major campus in Scottsdale, Banner Health employs over 50,000 statewide). Tourism continues to drive the economy through luxury resorts in Scottsdale, the Grand Canyon corridor, and Sedona, while agriculture in the Salt River Valley produces cotton, citrus, and vegetables.

Arizona's 2022 tax reform reduced the state income tax to a flat 2.5% -- one of the lowest flat rates of any state that levies income tax. This makes Arizona's payroll deductions among the simplest and least burdensome in the country. This generator calculates Arizona's 2.5% flat tax and all federal taxes for a complete, accurate pay stub PDF.

Arizona Income Tax Rates

Arizona's Proposition 208, passed by voters in 2020, would have added a 3.5% surcharge on income above $250,000 (for singles). However, this was overturned by the Arizona Supreme Court in 2021. Instead, Arizona went in the opposite direction: SB 1828, passed in 2021 and upheld after Prop 208's defeat, implemented a flat 2.5% income tax rate effective for tax years 2023 and beyond.

Prior to this reform, Arizona had a graduated system with rates from 2.59% to 4.5%. The move to a flat 2.5% was accelerated by strong state revenues, and it represents a significant tax cut for middle and upper-income Arizonans.

At 2.5%, Arizona's state income tax is the lowest flat rate of any state with income tax (as of 2024). For comparison:

• Arizona: 2.5% flat
• Indiana: 3.05% flat
• Pennsylvania: 3.07% flat
• North Dakota: varies, but low
• Georgia: 5.49% flat

Arizona provides a personal exemption ($2,200 for single filers) before applying the 2.5% rate, and the state has various other deductions that can reduce taxable income. For pay stub withholding purposes, the effective rate is close to but slightly below 2.5% for most workers.

Arizona has no county or city-level income taxes. All Arizona workers pay the same state rate regardless of whether they live in Phoenix, Tucson, Flagstaff, or rural Apache Junction.

Does Arizona Require Pay Stubs?

Arizona does not require employers to provide pay stubs to employees. The Arizona Wage Payment Act does not mandate written wage statements, though employers must comply with federal FLSA record-keeping requirements. Arizona is one of the states with the least prescriptive payroll documentation rules.

In practice, most Arizona employers provide electronic pay stubs through payroll systems, but smaller employers in construction, hospitality, and agriculture may not. For workers in those industries who need income documentation for Arizona's competitive rental markets in Phoenix and Scottsdale, this generator provides that documentation. No Arizona law requires employers to provide pay stubs, but federal FLSA §211(c) requires employers to maintain payroll records for a minimum of three years.

Pay Stub Requirements in Arizona

Arizona pay stubs should meet standard documentation expectations:

• Employer name and address
• Employee name and identification
• Pay period start and end dates
• Regular and overtime hours worked (hourly workers)
• Gross wages
• Arizona state income tax withheld (2.5%)
• Federal income tax withheld
• Social Security (6.2%) and Medicare (1.45%) withheld
• Any voluntary deductions
• Net pay
• Year-to-date totals

Pay Frequency Laws in Arizona

Arizona Revised Statutes § 23-351 requires employers to pay wages at least twice per month (semi-monthly), with paydays not more than 16 days apart. Employers must designate paydays in advance and must not change paydays without advance notice.

Arizona's overtime law follows the federal FLSA standard: time-and-a-half after 40 hours in a workweek. Arizona does not have a daily overtime threshold like California's 8-hour-per-day rule. Construction workers, hospitality staff, and others who work long days in Arizona can do so without triggering overtime as long as they do not exceed 40 hours in the week.

Arizona's Growing Economy and Pay Documentation

Semiconductor and manufacturing workers: The TSMC Arizona fab under construction in North Phoenix, Intel's Chandler campus (one of the largest chip fabrication facilities in the world), and numerous tech manufacturing operations have brought high-wage engineering and technician jobs to the Phoenix area. Many of these workers are contractors or come from out of state, creating significant demand for income documentation for Arizona's housing market. The TSMC investment alone is expected to bring thousands of well-paid jobs to the Phoenix area.

Healthcare workers at Mayo Clinic and Banner: Mayo Clinic's Scottsdale campus and Banner Health's extensive statewide network employ tens of thousands. Healthcare professionals moving to Arizona from other states need income documentation for apartments during the relocation process, often before their first Arizona paycheck arrives. Travel nurses and locum physicians are especially common in Arizona given the state's population growth and healthcare worker demand.

Scottsdale hospitality and resort workers: Scottsdale's luxury resort economy -- Camelback Inn, The Phoenician, Four Seasons, and dozens of other properties -- employs thousands of hospitality workers. These workers often have complex compensation structures including base pay, service charges distributed as quasi-tips, and gratuities. Accurate income documentation is needed for housing in one of Arizona's most expensive rental markets.

Tucson workers: Tucson has a different economic profile than Phoenix -- Raytheon has a major defense manufacturing facility there, the University of Arizona is a significant employer, and the city has a growing call center and business services sector. Tucson workers who need income documentation often have simpler needs than Phoenix metro workers but face a somewhat more affordable rental market.

What a Arizona Paycheck Looks Like -- A Worked Example

A semiconductor and tech worker earning $60,000 per year in Arizona on a bi-weekly schedule ($2,308 gross per check) pays: $58 in Arizona income tax (2.5% flat rate -- one of the lowest in the country), $143 in Social Security (6.2%), $33 in Medicare (1.45%) -- net take-home approximately $1,873 per paycheck.

2024 minimum wage in Arizona: $14.35/hr (2024). Flagstaff has a higher local minimum at $17.40/hr (2024).

Frequently Asked Questions for Arizona Workers

Arizona's 2.5% income tax is much lower than most states. How much does that save me compared to California?

For a worker earning $75,000 annually, the Arizona state income tax is approximately $1,875 (2.5% of $75,000, with minor adjustments for exemptions). The same worker in California would pay approximately $4,650 in state income tax (using California's graduated rates). That difference -- about $2,775 per year or $230 per month -- is a meaningful portion of take-home pay. For higher earners at $150,000, the difference between Arizona's 2.5% and California's effective rate grows even larger, explaining why many professionals have relocated from California to Arizona in recent years.

I'm moving to Arizona from California for a tech job at Intel in Chandler. When does California stop taxing my income?

California taxes income earned in California and income of California residents. Once you change your domicile (permanent home) from California to Arizona, you stop being a California resident for tax purposes from that date forward. Your Arizona employer will withhold Arizona taxes starting on your first day of work in Arizona. However, income you earned in California before the move is still subject to California income tax and must be reported on a California part-year return for your moving year. Consult a tax professional for your specific transition year, as part-year residency tax returns can be complex.

Does Arizona have state disability insurance or paid family leave?

No. Arizona has no state disability insurance program and no paid family leave funded through employee payroll deductions. Arizona's payroll deductions are the 2.5% state income tax and federal taxes only. Workers who need short-term disability coverage must purchase private insurance. Arizona's lack of these programs keeps payroll deductions low but also means workers have fewer automatic protections during illness or family care situations.

I work in construction in Phoenix and get paid in cash by my contractor. How do I document my income?

Cash wages are taxable income regardless of the payment method. Enter your gross cash earnings for each pay period (total cash received) as gross pay in this generator. Be aware that as a cash-paid worker, Arizona income tax and federal income tax should be withheld by your employer even for cash payments -- if your employer is not withholding taxes from your cash wages, you may owe self-employment taxes and income tax on your annual return. For income documentation purposes, generated stubs based on actual cash earnings can serve as documentation, but bank deposit records showing consistent deposits will often be required alongside stubs for apartment applications in the Phoenix market. See our pay stub for apartment applications guide for what Phoenix property managers typically require.

Arizona has hot summers. Do construction workers get any special overtime considerations?

No special overtime rules exist for heat or working conditions in Arizona. Arizona follows federal FLSA overtime standards: time-and-a-half after 40 hours per week. There is no Arizona analog to California's daily overtime rules. Some construction union agreements may have additional overtime provisions, but these are contract-specific, not state law. Arizona's extreme heat (Phoenix regularly reaches 110°F+ in summer) does prompt OSHA heat illness prevention requirements and voluntary reduced-hour arrangements at many job sites, but these do not change overtime calculations.

Related Tools

For neighboring state comparisons, see the Nevada pay stub generator (no income tax), the California pay stub generator (where many Arizona workers relocated from), or the Colorado pay stub generator (similar Mountain West economy, 4.4% flat rate). For template formats, see the free pay stub template.