Paycheck calculator › After taxes and rent › Phoenix › $100,000
$100,000 after taxes and rent in Phoenix (2026)
A $100,000 salary in Phoenix takes home $6,424 a month after federal tax, FICA, Arizona state tax. A typical one-bedroom costs $1,583 (HUD FY2026), leaving $4,841 a month for everything else — rent is 24.6% of take-home, within the 30% guideline. A studio leaves $4,967; a two-bedroom $4,585.
Your pay
Take-home pay
$6,424
take-home pay a month
from a gross of $8,333
Effective tax rate 22.9%Marginal rate 32.1%Total taxes $22,918
Federal tax 13.2%FICA 7.6%State 2.1%Take-home 77.1%
I want to take home
$
Net pay on my pay stub
$
| Line | A | B | Difference |
|---|
| Line | Monthly | Yearly |
|---|---|---|
| Gross pay | $8,333 | $100,000 |
| Federal income tax | −$1,098 | −$13,170 |
| Taxable income $83,900 = wages $100,000 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%). | ||
| Social Security (6.2%) | −$517 | −$6,200 |
| 6.2% of $100,000. | ||
| Medicare (1.45%) | −$121 | −$1,450 |
| 1.45% of $100,000. | ||
| Arizona state income tax | −$175 | −$2,098 |
| Taxable $83,900 = wages $100,000 − deduction $16,100. Flat 2.5%. | ||
| Take-home pay | $6,424 | $77,082 |
take-home pay a month$6,424
$100,000 in Phoenix: monthly budget after rent
| Unit | HUD FMR | Left after rent / mo | Rent share of take-home |
|---|---|---|---|
| Studio | $1,457 | $4,967 | 22.7% |
| One bedroom | $1,583 | $4,841 | 24.6% |
| Two bedrooms | $1,839 | $4,585 | 28.6% |
| Three bedrooms | $2,452 | $3,972 | 38.2% |
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.