Colorado Take-Home Pay Calculator

Colorado paychecks usually include federal income tax, Social Security, Medicare, and Colorado state income tax withholding. Colorado uses a flat income tax rate, which makes the state income tax portion easier to estimate than states with multiple tax brackets.

Actual Colorado paychecks may also include FAMLI premiums, benefits, retirement contributions, insurance, garnishments, or other payroll deductions. Compare the estimate with your paystub if FAMLI or another Colorado payroll deduction appears separately.

• Federal income tax depends on income, filing status, pay frequency, and withholding choices.
• Social Security and Medicare are federal payroll taxes.
• Colorado has a flat 4.4% state income tax rate in this calculator.
• Colorado withholding may be affected by DR 0004 or payroll setup.
• Colorado FAMLI may appear as a payroll deduction.
• Colorado paycheck estimates usually do not require a separate city income tax estimate.

Colorado has a flat state income tax rate. This calculator uses a 4.4% Colorado state income tax estimate.

Colorado has had temporary rate adjustments in some years, so the calculator should be treated as an estimate using the listed current Colorado rate, not a permanent promise about future tax years.

Colorado employees may use Colorado withholding forms, such as DR 0004, to help employers calculate state withholding. Colorado withholding is separate from the federal W-4.

If your state or federal withholding setup is outdated or does not match your current situation, your Colorado paycheck withholding may be too high or too low.

Colorado's Family and Medical Leave Insurance program can affect employee paychecks. FAMLI premiums may appear as a payroll deduction, separate from federal income tax, Social Security, Medicare, and Colorado state income tax.

For 2026, the standard FAMLI premium is 0.88% of gross wages, commonly split so the employee share is 0.44%. This calculator does not currently include a separate FAMLI deduction line, so your actual Colorado paycheck may be slightly different.

Colorado paycheck estimates usually do not need a separate city income tax estimate. This calculator focuses on federal payroll taxes and Colorado state income tax.

Your actual paycheck may still include employer-specific deductions, benefits, insurance, retirement contributions, FAMLI, garnishments, or other payroll items.

Bonus pay and overtime can make a Colorado paycheck look different from a regular paycheck. Overtime increases taxable wages, and bonus checks may have different withholding treatment depending on how payroll processes the payment.

Usually, the upfront withholding changed.

Your actual Colorado paycheck may differ because of Colorado withholding settings, federal W-4 settings, FAMLI premiums, health insurance, retirement contributions, pre-tax deductions, bonuses, overtime, garnishments, or employer payroll settings.

North Carolina's flat rate keeps the state estimate relatively simple, but NC-4 settings, benefits, and employer payroll tables can still move the final check.