Paycheck calculator › After taxes and rent › Phoenix

Take-home pay after taxes and rent in Phoenix (2026)

A typical one-bedroom in Phoenix rents for $1,583 a month (HUD FY2026 Fair Market Rent). On a $75,000 salary the take-home is $5,010 a month, which leaves $3,427 after rent — rent takes 31.6% of take-home (over the 30% guideline). To keep a one-bedroom at 30% of take-home you need to earn about $79,716 a year in Phoenix; a two-bedroom ($1,839) needs $94,808. The calculator is in reverse mode with that target.

Your pay

Gross pay

State

Filing status

401(k) / 403(b) %

Bonus (one-off)

Pre-tax deductions & HSA

Health premiums / yr

HSA / yr

Other pre-tax / yr

Custom local rate %

Age 50+ (401k catch-up) Family HSA limit

401(k) lowers income tax but not Social Security/Medicare. Health premiums and HSA through a cafeteria plan lower both.

W-4 details (2020 or later form)

Step 2: two jobs / spouse works

Step 3: dependents credit $

Step 4a: other income / yr

Step 4b: extra deductions / yr

Step 4c: extra withholding / check

Paychecks per year (for 4c)

Tax tables

Leave blank for standard withholding. Dependents: $2,000 per qualifying child, $500 per other dependent.

Take-home pay

$5,277

take-home pay a month

from a gross of $6,643

Effective tax rate 20.6%Marginal rate 32.1%Total taxes $16,396

Federal tax 10.9%FICA 7.6%State 2.0%Take-home 79.4%

Line	Monthly	Yearly
Gross pay	$6,643	$79,716
Federal income tax	−$726	−$8,708
Taxable income $63,616 = wages $79,716 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%).
Social Security (6.2%)	−$412	−$4,942
6.2% of $79,716.
Medicare (1.45%)	−$96	−$1,156
1.45% of $79,716.
Arizona state income tax	−$133	−$1,590
Taxable $63,616 = wages $79,716 − deduction $16,100. Flat 2.5%.
Take-home pay	$5,277	$63,320

What is left after rent in Phoenix, by salary

Salary	Take-home / mo	After studio ($1,457)	After 1-bed ($1,583)	After 2-bed ($1,839)	1-bed share
$40,000	$2,810	$1,353	$1,227	$971	56.3%
$50,000	$3,459	$2,002	$1,876	$1,620	45.8%
$60,000	$4,108	$2,651	$2,525	$2,269	38.5%
$70,000	$4,727	$3,270	$3,144	$2,888	33.5%
$75,000	$5,010	$3,553	$3,427	$3,171	31.6%
$80,000	$5,293	$3,836	$3,710	$3,454	29.9%
$90,000	$5,858	$4,401	$4,275	$4,019	27.0%
$100,000	$6,424	$4,967	$4,841	$4,585	24.6%
$120,000	$7,554	$6,097	$5,971	$5,715	21.0%
$150,000	$9,204	$7,747	$7,621	$7,365	17.2%

Rents are HUD Fair Market Rents for FY2026 (the 40th-percentile gross rent, utilities included, for the metro area — a modest, typical unit, not a luxury one). Take-home is for a single filer with no pre-tax deductions, 2026 tables, city tax where it applies. The 30% rule compares rent with take-home pay, not gross.

Salary needed to afford rent in Phoenix

Unit	HUD FMR / mo	Take-home needed / mo	Salary needed / yr	Hourly (40 h)
Studio	$1,457	$4,857	—	—
One bedroom	$1,583	$5,277	$79,716	$38.33
Two bedrooms	$1,839	$6,130	$94,808	$45.58
Three bedrooms	$2,452	$8,173	—	—

Phoenix paycheck calculator · All cities after rent

Frequently asked

How much do I need to make to live in Phoenix?

About $79,716 a year for a one-bedroom at 30% of take-home ($94,808 for a two-bedroom), before other costs. HUD's FY2026 Fair Market Rent for a one-bedroom is $1,583.

Is $75,000 enough to live in Phoenix?

After taxes it is $5,010 a month; a typical one-bedroom leaves $3,427 for everything else, so rent is 31.6% of take-home.

Where do the rents come from?

HUD Fair Market Rents, FY2026: the 40th-percentile gross rent (with utilities) for the metro area, published yearly and refreshed here automatically every October.