Tools Berry

Colorado Paycheck Calculator

A $75,000 salary in Colorado nets roughly $58,671 a year in 2026, once federal income tax, Social Security and Medicare and Colorado state tax and CO paid family leave contributions are withheld.

Colorado take-home pay calculator

This is the figure before tax, not the amount that lands in your account

Your pay stub calls it gross pay. It is what you are paid before federal and Colorado income tax, Social Security, Medicare and paid family leave come out of it.

Your usual week, not a busy one

Use the hours you work most weeks. Overtime belongs in the overtime calculator instead.

How often are you paid?

It changes the size of each check, not the tax you owe for the year

It only decides how the year is cut up, so the figure you see is the one you would actually receive.

How do you do your taxes?

It moves the income bands, so it changes the tax on the same pay

Tax forms call this your filing status. This estimate assumes one income; if your husband or wife also earns, the real figure is higher than this.

Do customers tip you?

Cash and card tips together, for the whole year.

An hourly rate times your hours never includes tips

If you worked out your pay as a rate times the hours you work, that figure is your wages and nothing else, so your tips are on top of it. A yearly salary from an employer who reports your tips usually already has them in it, and your last payslip is the place to check: if the gross on it is bigger than your rate times your hours, the difference is your reported tips.

Do you get paid extra for working extra hours?

This starts at one and a half times your normal rate, the usual overtime rate. Change it if yours is different, and it stops following.

Do you get a bonus or commission?

Do you, or your husband or wife, turn 65 at any point this year?

Do you put part of your pay into a retirement plan at work?

Look on your pay stub for a line like 401(k), 403(b), 457, TSP, retirement or pension.

Does money come out of your pay for health insurance or a health account?

Look on your pay stub for lines like medical, dental, vision, HSA or FSA.

Do you claim any children or other dependents?

That is $0 of dependent credit for the year. A W-4 counts $2,000 for each child under 17 and $500 for each other dependent.

Did you ask your employer to take extra tax out of each paycheck?

Look on your pay stub for a line like additional or extra withholding. On the W-4 you handed in, it is the box on line 4(c).

If your W-4 shows a per-paycheck amount, multiply it by the number of paychecks you get in a year.

Is anything else taken out of your pay after tax?

Look near the bottom of your pay stub for lines like union dues, life insurance, a repayment or a garnishment.

Your answer

These are example numbers. Type yours to see your own.

Based on a $75,000 salary in Colorado, single filer, paid every 2 weeks

$2,256.57

take-home per 2 weeks · $58,671/yr

Gross$2,884.62
Federal income tax−$295.00
Social Security−$178.85
Medicare−$41.83
Colorado income tax−$99.68
CO FAMLI (0.44%)−$12.69
Net pay$2,256.57
Federal marginal rate: 22% Effective tax rate: 21.3% Take-home: 78.2%
Your federal tax on Colorado pay, worked out one bracket at a time
BracketIncome taxed hereTax
10% ($0 – $12,400)$12,400$1,240
12% ($12,400 – $50,400)$38,000$4,560
22% ($50,400 – $105,700)$8,500$1,870

Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.

Compare your take-home pay with Utah, Kansas or Wyoming

Your pay in Colorado: which 2026 breaks are yours to claim?

Choose anything that matches how you are paid in Colorado and the list trims itself.

Tick anything that is true for you.

Tips: federally deductible, and deductible on your Colorado return too. Work out the tip deduction

Overtime: federally deductible, but Colorado still taxes overtime premium pay in full. Work out the overtime deduction

Bonuses: Colorado has no separate supplemental rate, so a bonus is withheld on the ordinary Colorado tables. Estimate the tax on a bonus in Colorado

Turning 65: the $6,000 federal senior deduction comes off your federal return; Colorado still applies its flat 4.4% to the same wages. Check the senior deduction

See every 2026 rule that matches your answers in Colorado

Take-home now: $2,256.57 per 2 weeks

Free Colorado salary-after-taxes and income tax calculator — a no-signup, in-browser alternative to paid tools like SmartAsset and ADP. Estimate your 2026 take-home pay for any salary, hourly rate, or pay frequency.

Use this free Colorado (CO) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and Colorado's flat 4.4% state income tax.

Enter your own pay in the calculator to estimate your Colorado take-home pay for any salary or hourly wage.

Colorado income tax rate 2026

Colorado's 2026 state income tax is a flat 4.4%.

How Colorado's flat 4.4% income tax hits your 2026 paycheck

Colorado levies a flat 4.4% state income tax for 2026, applied after the state allowance/deduction for your filing status. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your Colorado take-home pay.

For 2026, Colorado's state standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly; after that, all remaining taxable income is taxed at the single flat rate of 4.4% — Colorado does not use graduated brackets for 2026. As a worked example, a single filer earning $60,000 pays about $1,932 in Colorado income tax (roughly 3.2% of gross) before federal tax and FICA.

What this estimate doesn't include: Rate applies to federal taxable income; base approximated as wages minus the federal standard deduction. The rate can be temporarily reduced below 4.40% in TABOR-refund years — not modeled. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.

Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.

One rate on every taxable dollar: Colorado's 4.4% flat tax (2026)

Colorado applies a single flat rate to taxable wages for 2026.

FilingRate
All taxable income4.4%

FAMLI: what else Colorado takes from your check

Colorado runs employee-funded payroll programs that come off your check on top of income tax and FICA:

ProgramEmployee rate (2026)Wage base / cap
FAMLI (Paid Family & Medical Leave Insurance) — employee share0.44% (employee half of the 0.88% total premium)Up to the federal Social Security wage cap, $184,500 for 2026

Included in your take-home: the CO FAMLI contribution is subtracted from the take-home estimate at the top of this page. These are withheld after tax and do not lower your taxable income.

Beyond the paycheck: Colorado's 2.9% sales tax and property tax

Sales tax2.9% (≈7.89% with local)
Property tax≈0.5% — 0.50% effective rate on owner-occupied housing — among the lowest in the nation (roughly 3rd-lowest of the 50 states).

Colorado's own $15.16 minimum wage — above the federal floor (2026)

$15.16/hour (≈$31,533/year full-time). Statewide minimum wage effective Jan 1, 2026 (up from $14.81), CPI-adjusted by the CDLE 2026 PAY CALC Order. Tipped minimum is $12.14/hr. Local jurisdictions (Denver, Boulder, Edgewater) set higher rates.

No city or county income tax anywhere in Colorado

Colorado does not allow municipalities or counties to levy a personal income tax. The state has a single flat individual income tax rate; no local/city income tax anywhere in the state. (Note: some CO cities like Denver, Aurora, Greenwood Village, Glendale, Sheridan levy a flat per-month 'Occupational Privilege Tax'/head tax of a few dollars on employees who earn above a threshold — this is a fixed-dollar head tax, not a percentage income tax.)

Is overtime and tips tax-free in Colorado? Federally yes; Colorado's state treatment is mixed

Qualified overtime premium pay and tips are federally deductible for 2025–2028 (OBBBA caps & rules); FICA still applies.

Colorado state income tax: Colorado allows the tips deduction both years. The overtime deduction flows through for 2025 but is added back from 2026 (HB25-1296), which is under a pending legal challenge. (source: leg.colorado.gov)

  • Overtime: 2025 — deductible on your Colorado return too; 2026–2028 — not deductible on your Colorado return (still state-taxed).
  • Tips: 2025 — deductible on your Colorado return too; 2026–2028 — deductible on your Colorado return too.

Related: tips by state · tips calculator · overtime calculator · overtime by state.

Your paycheck vs the $97,113 Colorado median

Median household income (2024 (ACS 1-year estimate))$97,113
Take-home (single filer)≈$73,157

Two Colorado payroll quirks worth knowing

  • Colorado's flat income tax is 4.40% for tax year 2025, the return filed in 2026. It was temporarily cut to 4.25% for tax year 2024 under a TABOR (Taxpayer's Bill of Rights) surplus mechanism, and the Department of Revenue's own rate history lists 4.40% for 2022, 2023 and 2025 against 4.25% for 2024. That mechanism has not expired: Senate Bill 24-228 keeps the temporary rate reduction available for tax years 2024 through 2034, so a large enough TABOR surplus can lower a future year's rate again.
  • Colorado's FAMLI paid-leave premium dropped to 0.88% of wages for 2026 (from 0.90% in 2025), split evenly so employees pay 0.44%; employers with 9 or fewer workers owe no employer share, meaning a small-business employee still pays only 0.44%.

Colorado paycheck FAQ

Besides income tax, what does Colorado deduct from paychecks?

On top of federal tax and FICA, Colorado withholds FAMLI (Paid Family & Medical Leave Insurance) — employee share at 0.44% (employee half of the 0.88% total premium). The full rates and wage caps are in the payroll-deductions table on this page.

Does Colorado have a state income tax in 2026?

Yes — a flat 4.4% on taxable wages in 2026, on top of federal tax and FICA.

Compare a paycheck next door: Utah, Kansas & Wyoming

StateState income tax (2026)Take-home on $75,000 (single)
Coloradoflat 4.4%$58,671
Utahflat 4.45%$58,971
Kansastwo brackets, 5.2%–5.58%$57,696
Wyomingno state income tax$61,593
New Mexicosix brackets, 1.5%–5.9%$59,233

Those are the states next door. To see where Colorado lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.

Utah Kansas Wyoming

All state paycheck calculators →

Data compiled and maintained by Edmond Daher · Updated 2026-08-02

Sources

Related tools

No Tax on Tips Calculator Overtime Tax by State (Data Study) Colorado Bonus Tax Calculator Colorado Take-Home Pay by Salary Salary to Hourly Calculator Tip Income Tax by State (Data Study) Take-Home Pay by State on $75,000 and $100,000 (Data Study) No Tax on Overtime Calculator All tools →