Colorado Paycheck Calculator
Estimate your Colorado take-home pay after federal income tax, Social Security, Medicare and Colorado's flat 4.4% state income tax. Net pay per check and per year.
Updated 2026-06-14 · Free · No sign-up · Runs privately in your browser
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Estimate for 2024 — federal/state rules change yearly. This does not include local/city taxes, pre-tax 401(k)/health deductions, credits, or other withholdings. For an exact figure, consult a tax professional or your payroll provider.
How Colorado Paycheck Taxes Work
Your Colorado paycheck is your gross salary minus federal income tax, Social Security, Medicare, and Colorado state income tax. This calculator applies the 2024 federal and Colorado rules to estimate your net (take-home) pay per pay period and per year, plus your effective tax rate.
Enter your annual gross salary, choose your pay frequency (annual, monthly, biweekly or weekly), and select your filing status (Single or Married filing jointly).
Estimate for 2024 — federal/state rules change yearly. This does not include local/city taxes, pre-tax 401(k)/health deductions, credits, or other withholdings. For an exact figure, consult a tax professional or your payroll provider.
Federal Taxes
Federal income tax is progressive. For 2024 the standard deduction is $14,600 (Single) or $29,200 (Married filing jointly), and the remaining taxable income is taxed across the 10%, 12%, 22%, 24%, 32%, 35% and 37% brackets — each rate applying only to income inside its band.
FICA payroll taxes also apply: Social Security at 6.2% on the first $168,600 of 2024 wages, and Medicare at 1.45% on all wages, with an extra 0.9% on wages above $200,000 ($250,000 for married couples filing jointly).
Colorado State Income Tax
Colorado uses a flat income tax rate of 4.4% for 2024. Unlike most states, it does not start from gross wages with its own deduction — it starts from your federal taxable income, meaning your income after the federal standard deduction. The 4.4% rate then applies to that amount.
Because the base is federal taxable income, the federal standard deduction effectively shields the same first chunk of income from Colorado tax too. Colorado has no graduated brackets, so the marginal and effective state rates are both very close to 4.4% once you are above the deduction. A handful of cities levy a tiny flat occupational privilege tax, which is excluded here.
Worked Example
A single filer earning $65,000 in Colorado:
- Federal taxable income = $65,000 − $14,600 = $50,400
- Federal income tax ≈ $6,141
- Social Security (6.2%) = $4,030
- Medicare (1.45%) = $942.50
- Colorado income tax = 4.4% × $50,400 = $2,217.60
- Total tax ≈ $13,331 → Net pay ≈ $51,669/year (about $4,306/month)
- Effective tax rate ≈ 20.5%
Colorado Take-Home Pay at a Glance
Estimated net pay for a single filer, 2024 (federal + FICA + Colorado income tax):
| Annual salary | Est. total tax | Net pay (year) | Net pay (month) |
|---|---|---|---|
| $45,000 | ≈ $8,196 | ≈ $36,804 | ≈ $3,067 |
| $65,000 | ≈ $13,331 | ≈ $51,669 | ≈ $4,306 |
| $85,000 | ≈ $20,141 | ≈ $64,859 | ≈ $5,405 |
| $120,000 | ≈ $32,156 | ≈ $87,844 | ≈ $7,320 |
These figures exclude city occupational privilege taxes, 401(k) and health-insurance deductions, and tax credits, so your real paycheck may differ.
Frequently asked questions
Does Colorado have a state income tax?+
Yes. Colorado charges a flat state income tax — 4.4% for 2024 — on your federal taxable income. There are no brackets, so everyone pays the same 4.4% rate regardless of how much they earn.
What is the Colorado income tax rate for 2024?+
Colorado's 2024 income tax rate is a flat 4.4%, applied to federal taxable income (your income after the federal standard deduction). The rate has drifted down in recent years from 4.63% to 4.55% to 4.40%.
How much is taken out of my paycheck in Colorado?+
A single filer earning 65,000 dollars a year pays roughly 6,141 dollars in federal income tax, 4,030 dollars in Social Security, 943 dollars in Medicare and about 2,218 dollars in Colorado income tax — leaving roughly 51,669 dollars net, or about 4,306 dollars per month.
What income does Colorado tax?+
Colorado uses your federal taxable income as the starting point, so it applies the 4.4% rate after the federal standard deduction (14,600 dollars single, 29,200 dollars MFJ in 2024). Some cities such as Denver also charge a small flat occupational privilege tax that this estimate excludes.
Does Colorado have local city income taxes?+
A few Colorado cities (including Denver, Aurora and Greenwood Village) charge a flat occupational privilege tax of a few dollars per month on workers earning above a threshold. It is small and not included in this calculator, which covers federal, FICA and state income tax.