Rates verified on 2026-10-11
Estimates only
Colorado take-home pay calculator
Tax year 2026 (Jan 1 – Dec 31, 2026)
Your result will appear here
Tax year 2026
How Colorado take-home pay is calculated (2026)
Colorado uses a flat 4.4% individual income tax for 2026. Liability starts from federal taxable income under C.R.S. § 39-22-104, then Colorado-specific additions and subtractions. Our engine approximates the state line as (AGI − federal standard deduction) × 4.4% — the same federal SD amounts as the US-2026 national file — and does not yet apply DR 0104AD modifications.
Colorado: flat 4.4% on a federal taxable-income base
Colorado individual income tax is a flat 4.4% for tax year 2026 — the statutory baseline under C.R.S. § 39-22-104, with no TABOR temporary rate cut for 2026. The state starts from federal taxable income (not a separate Colorado standard deduction), then applies additions and subtractions on Form DR 0104 / DR 0104AD. This calculator approximates that base as AGI minus the federal standard deduction, then multiplies by 4.4%. Employee FAMLI premiums (0.44% of gross wages up to the Social Security wage base) are included. High-AGI deduction cliffs (Proposition MM), QBI addbacks, and overtime addbacks remain disclosed as not modeled.
State income tax (2026)as of 2026
Flat 4.4%
Source: CDOR — Individual Income Tax Guide →Tax base (simplified)as of 2026
Approx. federal taxable income × 4.4%
Source: CDOR Individual Income Tax Guide PDF (January 2026) →Median household incomeas of 2024 ACS 1-year
$97,113
Source: U.S. Census Bureau — Colorado median household income (ACS 2024 1-year) →
Local wage taxes
Colorado does not add a statewide municipal wage income tax in this model. Employee FAMLI at 0.44% of gross (capped at the Social Security wage base) is included in the net. Remaining stub gaps are usually benefits, DR 0104 additions/subtractions, and W-4 choices — not a city income-tax line.
What makes a Colorado paycheck different
- Flat 4.4% state income tax for 2026 — not a progressive bracket table.
- Tax base is modified federal taxable income (FTI conformity), not a separate Colorado standard deduction.
- High-AGI filers can face large deduction addbacks (Proposition MM limits for AGI over $300,000) — those DR 0104AD items are not modeled here.
- Colorado FAMLI employee premium at 0.44% of gross wages up to the Social Security wage base is included in this estimate.
- Federal income tax and FICA still apply on top of the flat state line.
How we count Colorado take-home
- Colorado state income tax: 4.4% of AGI after subtracting the federal standard deduction (FTI approximation).
- Federal income tax: IRS 2026 brackets and standard deduction.
- FICA: Social Security and Medicare (and Additional Medicare where it applies).
- Optional pre-tax 401(k) and HSA contributions reduce AGI for both federal and Colorado lines when entered.
- Colorado FAMLI (employee share): employee 0.44% up to the Social Security wage base (included).
- Not modeled: Colorado DR 0104AD additions/subtractions; Proposition MM high-AGI deduction addback; QBI addback; State income tax deduction addback; Overtime compensation addback; Business meals addback.
Full United States methodology · Bracket tables · Engine & privacy
Sources & status
VerifiedPrimary sources below, grouped by layer. Oldest verification on this page: 2026-10-11.
Federal
- IRS Rev. Proc. 2025-32 (brackets + standard deduction) →verified 2026-10-11
- IRS newsroom IR-2025-103 tax year 2026 inflation adjustments →verified 2026-10-11
- SSA contribution and benefit base 2026 →verified 2026-10-11
- IRS retirement topics — 401(k) contribution limits 2026 →verified 2026-10-11
- IRS — HSA contribution limits (Pub. 969; age-55 catch-up $1,000 fixed) →verified 2026-11-07
- IRS newsroom — 401(k) limit $24,500; catch-up $8,000 / ages 60–63 $11,250 (2026) →verified 2026-11-07
- IRS — Retirement topics catch-up contributions (2026) →verified 2026-11-07
State
- C.R.S. § 39-22-104 — flat individual income tax; FTI starting point (2026 rate 4.4%) →verified 2026-11-05
- CDOR Individual Income Tax Guide (Jan 2026) — rate history; FTI conformity; 2026 deduction addback limits →verified 2026-11-05
- DR 0104EP 2026 — estimated tax worksheet uses 4.4% of Colorado taxable income →verified 2026-11-05
- Colorado FAMLI — employee premium share (0.44% of wages up to SS wage base in modeled year) →verified 2026-11-07
Payroll programs
- Colorado FAMLI (employee share) →verified 2026-11-05
Related United States guides
Colorado tax brackets (2026)
Federal income tax brackets (Single)
| From | To | Rate |
|---|---|---|
| $0.00 | $12,400.00 | 10.00% |
| $12,400.00 | $50,400.00 | 12.00% |
| $50,400.00 | $105,700.00 | 22.00% |
| $105,700.00 | $201,775.00 | 24.00% |
| $201,775.00 | $256,225.00 | 32.00% |
| $256,225.00 | $640,600.00 | 35.00% |
| $640,600.00 | and above | 37.00% |
Colorado flat state tax
| From | To | Rate |
|---|---|---|
| $0.00 | and above | 4.40% |
How a US paycheck works
Every US paycheck starts with the same federal layers: income-tax withholding from Form W-4, plus Social Security and Medicare (FICA). State and local lines come next when your region files them.
Counttaxes estimates annual liability from verified rate files, then shows per-paycheck amounts for your frequency — not a live payroll withholding run.
Worked examples (Colorado, annual, default assumptions)
| Gross | Net | Effective |
|---|---|---|
| $60,000.00 | $48,194.40 | 19.7% |
| $100,000.00 | $75,048.40 | 25.0% |
| $150,000.00 | $107,239.40 | 28.5% |
Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status. Nets include Colorado FAMLI (0.44%).
Frequently asked questions
- Does this Colorado take-home include FAMLI?
- Yes. The employee FAMLI premium at 0.44% of gross wages (capped at the Social Security wage base) is subtracted in the net. Employer share and DR 0104AD modifications are separate.
- Is Colorado’s 2026 rate really 4.4%?
- Yes for the baseline statutory rate. The 2026 DR 0104EP estimated-tax worksheet multiplies Colorado taxable income by 4.4%. A TABOR temporary reduction applied for 2024 (effective 4.25%) but was not triggered for 2026.
- Does Colorado have its own standard deduction?
- No. Colorado starts from federal taxable income, so the federal standard deduction (or itemized deductions) is already baked into that starting point. Our calculator subtracts the federal SD amounts only as an FTI approximation — it is not a second Colorado deduction.
- Does Denver add city income tax?
- Not in this model. Colorado take-home here is federal + FICA + flat state tax. Local occupational or other fees on a stub are outside this estimate.
- Is withholding the same as annual tax?
- Close but not identical. Employers use Colorado withholding tables and your DR 0004 / W-4-style elections. This page estimates annual statutory liability at 4.4% of approximated FTI, then splits by pay frequency.
Related United States calculators
Useful links
Official Colorado tax agencies and the primary sources behind the rates on this page.
- Colorado Department of Revenue — Taxation →
CDOR hub — DR 0104, withholding, guides
- Individual Income Tax Guide →
Rate history, FTI conformity, modifications
- Individual Income Tax Guide PDF (January 2026) →
Primary PDF companion to the guide
- DR 0104EP 2026 — Estimated tax (PDF) →
4.4% worksheet; quarterly due dates
- IRS — Tax Withholding Estimator →
Federal paycheck spot-check
- Census — Colorado profile →
ACS median household income context
- Counttaxes — US sources & loaded numbers →
Federal rate file audit trail