Colorado Paycheck Calculator
See exactly what you keep after taxes in Colorado — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
$0 per year
Effective tax rate 0%
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How Colorado take-home pay is calculated
Colorado levies a single flat 4.4% income tax for the 2025 tax year, so every worker pays the same marginal rate regardless of how much they earn. Because Colorado starts from your federal taxable income, the federal standard deduction effectively shields the first slice of pay, and there is no separate state standard deduction. The flat rate keeps take-home pay predictable and is lower than the top brackets found in most progressive-tax states.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
Colorado state income tax
Progressive Flat 4.4%.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- Flat 4.4% rate applies to all income levels for tax year 2025, the same for single and married-filing-jointly filers
- Colorado has no state standard deduction because it taxes federal taxable income, which already reflects the federal standard or itemized deductions
- No local or city income taxes on wages, though some cities like Denver and Greenwood Village charge flat-dollar Occupational Privilege (head) taxes
Colorado paycheck — frequently asked questions
How much is taken out of a paycheck in Colorado? +
In Colorado, federal income tax, Social Security (6.2%), Medicare (1.45%) and Colorado state income tax (Flat 4.4%) are withheld. Total withholding typically lands around 25%–35% of gross pay, depending on income and filing status.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does Colorado have a state income tax? +
Yes. Colorado has a progressive state income tax (Flat 4.4%), charged on top of federal income tax.
Is this Colorado paycheck calculator accurate? +
It gives a close estimate using 2025 federal and Colorado tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.