COLORADO INCOME TAX · TAX YEAR 2026
2026 Colorado income tax calculator
Estimate Colorado income tax at the 4.4% flat rate, starting from federal taxable income, with federal tax and take-home pay for tax year 2026.
Your estimate
Colorado take-home pay by salary
Take-home pay is wages minus Colorado tax, federal income tax, Social Security and Medicare. Paychecks split the annual estimate evenly; your actual withholding depends on your W-4 and pay schedule.
| Salary | State tax | Take-home pay | Every two weeks |
|---|---|---|---|
| $50,000 | $1,492 | $40,863 | $1,572 |
| $75,000 | $2,592 | $59,001 | $2,269 |
| $100,000 | $3,692 | $75,488 | $2,903 |
| $150,000 | $5,892 | $107,899 | $4,150 |
| $200,000 | $8,092 | $140,835 | $5,417 |
Colorado income tax rate for 2026
Colorado taxes federal taxable income at 4.4%. A temporary TABOR rate cut applies only in surplus years, and none is forecast for 2026.
| Rate | Colorado taxable income |
|---|---|
| 4.4% | All taxable income |
Colorado income tax questions
Does Colorado have a state income tax?
Yes. Colorado taxes income at a flat 4.4% for 2026.
How much is Colorado income tax on $100,000?
A single filer with $100,000 in wages and no other income, 401(k) contributions or dependents owes about $3,691.60 in Colorado income tax for 2026, 3.69% of wages. After federal income tax, Social Security and Medicare, take-home pay is about $75,488.40, or $2,903.40 every two weeks.
What is the Colorado standard deduction for 2026?
Colorado starts from federal taxable income, so it uses the 2026 federal standard deduction: $16,100 for single filers and married couples filing separately, $32,200 for married couples filing jointly, and $24,150 for heads of household. If federal AGI is $300,000 or more, Colorado adds back the federal deduction above $1,000, or $2,000 for joint filers.
Does Colorado tax Social Security?
Partly. Colorado subtracts all taxable benefits from age 65, and from 55 to 64 when federal AGI is $75,000 or less ($95,000 joint), and up to $20,000 of them at higher incomes.
Colorado Social Security tax rules
Does Colorado tax retirement income?
Partly. Colorado subtracts up to $24,000 per person of pension and IRA income at 65 ($20,000 from 55), less the Social Security that person subtracts, and taxes the rest.
Colorado retirement income tax for 2026
How does Colorado tax capital gains?
As ordinary income at 4.4%, because Colorado starts from federal taxable income. Its capital gain subtraction is limited to Colorado agricultural land sold by taxpayers who file a federal Schedule F, up to $100,000.
How this calculator works
Colorado starts from federal taxable income, so the federal standard deduction and your 401(k) contributions carry through. If federal AGI is $300,000 or more, the calculator adds back the federal deduction above $1,000, or $2,000 for joint filers, as Colorado requires for 2026. The result is taxed at 4.4%.
Worked example
A single filer with $75,000 in wages, no other income, no 401(k) contributions and no dependents has $58,900.00 of Colorado taxable income and about $2,591.60 in Colorado income tax, 3.46% of wages. After federal income tax of $7,670.00 and $5,737.50 in Social Security and Medicare, estimated take-home pay is $59,000.90, or $4,916.74 a month.
What this estimate excludes
The Colorado Child Tax Credit, Family Affordability Credit, Colorado EITC, the state income tax and QBI addbacks, pension and Social Security subtractions, other credits and Denver, Aurora and other local occupational privilege taxes.
Colorado sources
- DR 1098: 2026 Colorado withholding worksheet
- Colorado Department of Revenue: Individual Income Tax Guide
- Colorado State Auditor 2026-TE5: federal deduction addback
- 2025 Colorado Income Tax Filing Guide (Book 104): Social Security, pension and capital gain subtractions
Federal tax uses IRS Revenue Procedure 2025-32. Read the full assumptions and sources.