Phoenix, Arizona
Upwork taxes in Phoenix: what to set aside
Upwork doesn't hold back tax for freelancers. In Phoenix you owe self-employment tax, federal income tax and Arizona income tax (top rate 2.5%).
A Phoenix freelancer paid $4,000 a month should set aside about
$732/mo
Roughly 18% of payouts, assuming 15% goes to costs. Your own number depends on your miles and spending.
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Driving in Phoenix
Low flat 2.5% state tax and long suburban runs.
Whether you work in Scottsdale, Tempe, Mesa, Chandler or Glendale, the same Arizona rules apply to your Upwork income.
Deductions Phoenix freelancers miss most
- Upwork service fees
- Home office share
- Laptop, software and subscriptions
- Coworking space
Quarterly dates for 2026
Federal: April 15, June 15, September 15 and January 15, 2027. Arizona estimates (Form 140ES) follow the federal dates: April 15, June 15, September 15 and January 15. Hate Ledger reminds you before each one and shows what's safe to spend after tax.
Sources
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Upwork in other cities:
Planning estimate only, not tax advice. Uses 2026 federal brackets and the IRS 72.5¢ mileage rate.