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Colorado Take-Home Pay Calculator: 4.4% Flat Tax (2026)

Colorado taxes all income at a flat 4.4% and starts from your federal taxable income, which keeps the math simple. Voters cut the rate from 4.55% in 2022, and TABOR refunds have trimmed it further in strong revenue years. Estimate your 2026 take-home pay below.

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$

Net annual pay

$75,488

Net monthly pay

$6,291

Net biweekly pay

$2,903

Tax breakdown

CategoryAmount% of income
Federal Income Tax$13,17013.2%
Social Security$6,2006.2%
Medicare$1,4501.5%
State Income Tax$3,6923.7%
Total tax$24,51224.5%

Effective tax rate: 24.5%. Marginal federal rate: 22.0%. Marginal state rate: 4.4% in Colorado.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

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See how Colorado's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Colorado

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary Federal tax FICA Colorado tax Net annual pay Effective rate
$75,000 $7,670 $5,738 $2,592 $59,001 21.3%
$100,000 $13,170 $7,650 $3,692 $75,488 24.5%

How Colorado taxes your income in 2026

Colorado's flat 4.4% applies to every dollar of taxable income. Unusually, Colorado uses your federal taxable income as its starting point — the federal standard deduction is already reflected before the 4.4% is applied, and there is no separate Colorado standard deduction to subtract again. The rate was 4.55% until voters approved Proposition 121 in 2022, and in high-revenue years the state's TABOR cap has temporarily pushed it lower (it dipped to 4.25% for 2024).

No real local income taxes, friendly to retirees

Unlike Ohio or Pennsylvania, Colorado has no municipal income taxes. A few cities, including Denver, charge a small occupational privilege tax of about $5.75 per month on people who work in the city — a flat fee, not an income percentage. Social Security benefits are fully deductible for Coloradans 65 and older, and taxpayers 55+ can subtract up to $20,000 ($24,000 for 65+) of pension and annuity income. Where Colorado does stand out is sales taxes: the state rate is 2.9%, but local add-ons push combined rates above 8% in many cities.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Colorado's 4.4% flat tax computed on your federal taxable income — the same starting point the Colorado return uses. It does not model the Denver occupational privilege tax, retirement-income subtractions, TABOR refund checks, itemized deductions, or credits. Figures are estimates for planning purposes, not tax advice.

Frequently asked questions

What is the Colorado income tax rate in 2026? ▼
A flat 4.4% on federal taxable income. Colorado has no separate brackets and no separate standard deduction — it starts from the taxable income figure on your federal return.
Does Colorado have local or city income taxes? ▼
Not in percentage terms. Denver and a few nearby cities levy a small occupational privilege tax (about $5.75/month in Denver) on people who work in the city, but no city charges a percentage-based income tax.
Does Colorado tax Social Security benefits? ▼
For residents 65 and older, Social Security benefits are fully subtracted from Colorado taxable income. Younger retirees can use the pension/annuity subtraction (up to $20,000) which can cover some benefits.
How much is $75,000 after taxes in Colorado? ▼
A single filer earning $75,000 pays roughly $2,592 in Colorado income tax and takes home about $59,001 per year after federal tax, FICA, and state tax, based on this calculator's 2026 estimates. See the example table above for the breakdown.
What is TABOR and how does it affect my taxes? ▼
The Taxpayer's Bill of Rights caps Colorado revenue growth and forces refunds when collections exceed the cap. Refunds have arrived as temporary rate cuts (4.25% in 2024) and direct checks. Future refunds depend on revenue and voter decisions.

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.