Are you a Phoenix contractor, who needs to demonstrate your income to have a new home? Or a small entrepreneur in Tucson who wants to make legal payments to your team with no hassle?
The Grand Canyon State life does not take time to do the paperwork. Be it a mortgage or a rental house lease, you must have professional-level documentation that the lender and the landlord can rely on. In our company, StubCheck.com, instant high-quality Arizona paystubs will be offered according to tax laws in 2026.
This is one of those questions, but it is crucial to distinguish it to have sound financial records.
The Paycheck: This is the physical copy (or computer transfer) that is given to an employee to compensate them on the work they have done. It is the "money in the bank."
The Paystub: This is the step by step dissection. It also enumerates gross earnings and taxes withheld, insurance deductions and year-to-date (YTD) amounts.
Create Your PaystubThe Arizona tax environment is a place that needs accuracy. Our generator has the most recent figures of 2026 so that your stubs are fully in compliance with state regulations.
The 2026 Minimum Wage Increase
The state minimum wage in Arizona went up to 15.15 per hour (14.70 in 2025) beginning January 1, 2026.
Tipped Employees: Employers are allowed to claim a tip of $3.00 which implies that the minimum wage of the tipped employees should be pegged at 12.15 per hour as long as their total earnings are above the 15.15 mark.
Flagstaff & Tucson: It is worth noting that even lower local municipalities such as Flagstaff (18.35) have higher rates. Our generator enables us to have custom rate entries so as to remain locally compliant.
The Flat Tax AZ State Income Tax.
Arizona has shifted towards a flat rate of 2.5% of all individual income to a Flat Tax. This ensures predictability in calculations but accuracy remains of paramount importance. Our system automatically deduces this 2.5 percent withholding on your gross pay and your Take-Home value becomes precisely what a lender would wish to see.
Unemployment Arizona Employment Security Tax.
The Unemployment Insurance (UI) tax in Arizona is an important withholding to the employers. In 2026, the wage base to be taxed will be the same base as currently in place but it will be based on the earnings of each employee up to the first 8000 dollars of their own earnings. Our application does the following calculations in such a way that your small business payroll appears professional and legally valid.
Overtime Rules
Arizona has the federal Fair Labor Standards Act (FLSA) on overtime. Any time that he or she works more than 40 hours in a working week should be compensated at 1.5 times the normal rate. We have a separate overtime line on our generator where your hard work is paid up in terms of income.
In Arizona, (Applications) Handwritten notes will not carry the day in the case of a Home Loan (Mortgage) or an Auto Loan. Underwriters look for:
Consistency: Current FICA (Social Security and Medicare) withholdings.
Professionalism: Clean templates as though they belonged to a big HR department.
Accuracy: YTD totals that is equal to your bank deposits.
A professional Arizona paystub generator will enable you to have a good financial portrait and therefore minimize the chances of your loan being flagged or rejected in the process of verification.
I needed some evidence of earnings to rent in Scottsdale. I am an independent contractor and I did not have the traditional stubs. It took me less than two minutes to get ready at StubCheck.com, and the property manager took them instantly. -- Marcus R., Phoenix, AZ
Installation in Real Time: Get your PDF immediately after completion.
Bank-Proven Templates: Our templates are based on the same software as fortune 500.
Automatic Math: Tax Automatic Math No calculators are needed. We do your Arizona tax rates in 2026.
Small Business Friendly: The right solution AZ small business owners who require the ability to provide compliant documentation without paying a large sum of money to an expensive payroll company.
Yes. Arizona has a flat rate of income tax of 2.5. Tax is imposed on all dollar of taxable income at this rate irrespective of your total income.
By January 1, 2026, the minimum wage in the state is increased to 15.15 per hour. But such cities as Flagstaff and Tucson have greater local minimums.
Yes. Our stubs comply with the strict Proof of Income requirements of the major lenders and credit unions most of which are located in Arizona.
Absolutely. You would prefer to have your paystub showing all your earning potential, with all of the overtime hours counted at the 1.5x rate, in order to be getting the maximum amount of loan you can be approved.
Also, do not allow insufficient documentation to stand in the way between you and your new big purchase. We are there when you are ready to go in the core of the city of Phoenix or in the mountains of Flagstaff.