State income tax
The calculator uses Colorado DR 1098, subtracting the default annual amount tied to federal W-4 filing status before applying the 4.40% withholding rate.
2026 Colorado paycheck calculator
What will your Colorado paycheck look like?
Estimate Colorado take-home pay with the official 2026 DR 1098 wage-withholding formula and federal payroll taxes.
Your details
Estimate your pay
Leave this unchecked only if this is your household's only income. Otherwise each employer withholds as if it were, and together they take out thousands too little.
Federal + state estimate Verified 2026 rules are live for all 50 states and the District of Columbia. Colorado local tax is included — select your locality in Advanced options.
Estimated take-home pay2026 · Federal + CO
$2,364.60per paycheck
You keep 76.8% of this paycheck after included federal, state, and entered payroll deductions.
Monthly$5,123
Annual$61,480
Included taxes23.1%
Where your paycheck went
From gross pay to take-home
Gross pay $3,076.92
Federal income tax Why?−$337.31
Why is this withheld?
We annualize federal taxable wages, include your W-4 income and deduction adjustments, subtract the 2026 standard deduction for single, and apply tax brackets in layers.
$80,000 adjusted income− $16,100 standard deduction= $63,900 taxable
Tax year 2026 · IRS Revenue Procedure 2025-32 ↗ · Form W-4 ↗
Colorado income tax Why?−$126.08
Why is this withheld?
We annualize this paycheck's state-taxable wages, apply the supported state-certificate inputs, then use the official 2026 colorado dr 1098 default w-4 method.
$80,000 annualized state wages0 entered allowances / exemptions$3,278 estimated annual withholding
Tax year 2026 · Official Colorado withholding source ↗
Colorado FAMLI Why?−$13.54
Family and Medical Leave Insurance
The 2026 FAMLI premium is 0.88% of wages, split evenly, so this estimates the 0.44% employee half on wages up to the Social Security wage cap. Some employers pay the employee share too.
Tax year 2026 · Colorado FAMLI premiums ↗
Social Security Why?−$190.77
Why is this withheld?
Employees pay 6.2% on covered wages up to the 2026 annual wage base of $184,500. This paycheck has $3,076.92 of FICA-taxable wages.
Tax year 2026 · IRS Publication 15 ↗
Medicare Why?−$44.62
Why is this withheld?
Employees pay 1.45% on covered wages with no wage cap. An additional 0.9% applies to employer-paid wages over $200,000 in the year.
Tax year 2026 · IRS Publication 15 ↗
Local withholdingLocation needed
Colorado locality of work is required for local withholding
Estimated take-homeFederal and state included · local excluded
$2,364.60Colorado locality of work is required for local withholding. Select it in Advanced options.
Colorado FAMLI uses the 0.44% employee half of the 2026 premium; some employers pay the employee share as well.
Colorado uses the DR 1098 default tied to federal filing status; custom DR 0004 adjustments are not included. Denver's occupational privilege tax is included when Denver is selected as the work locality; other Colorado city occupational taxes are not implemented.
Your actual paycheck may differ based on payroll-specific rules and year-to-date wages.
What if?
Try the next decision before you make it.
Each card reruns your current inputs through the same 2026 tax engine.
Scenario
Get a $5,000 raise
See how much of a $5,000 annual raise reaches your bank account.
+$3,276annual take-home
+$126.00 / paycheck+$273 / month
Gross raise$5,000.00
Solve for the raise you need →Scenario
Increase your 401(k) to 6%
Trade some cash take-home for additional traditional retirement savings.
−$3,533annual take-home
−$135.87 / paycheck−$294 / month
Annual contribution$4,800.12
What contributing costs you →Decision toolCompare a new job offer
Put two salaries, states, schedules, and benefit choices side-by-side.
Open comparison →What is included
A Colorado estimate with clear boundaries.
Colorado paychecks can include federal income tax, Social Security, Medicare, state wage withholding, and entered benefits or deductions.
Payroll taxes
Colorado Family and Medical Leave Insurance is estimated at the 0.44% employee half of the 2026 0.88% premium, on wages up to the Social Security wage cap. Some employers choose to pay the employee share.
Local coverage
Denver's occupational privilege tax is included. The calculator withholds $5.75 a month from any employee who earns at least $500 in a month for work performed in the city. Colorado's other occupational privilege taxes are not calculated yet.
Salary examples
Three useful starting points
Single filer, biweekly pay, no entered benefits. These examples use the same calculator above.
| Annual salary | Biweekly take-home | Monthly take-home | Annual take-home |
|---|---|---|---|
| $50,000 | $1,545 | $3,348 | $40,177 |
| $80,000 | $2,365 | $5,123 | $61,480 |
| $120,000 | $3,372 | $7,307 | $87,684 |
Local taxes are not included. Actual payroll can differ because of year-to-date wages, employer rounding, elections, and less-common tax situations.
Common questions
Colorado paycheck FAQ
What Colorado withholding rate is used for 2026?
The official DR 1098 worksheet applies 4.40% after the default annual adjustment based on federal W-4 filing status.
Does this support Colorado Form DR 0004 adjustments?
The current estimate uses the official default amounts for employees who do not submit DR 0004. Custom DR 0004 Line 2 adjustments are not collected yet.
Is Denver occupational privilege tax included?
Yes. Select Denver as your Colorado work locality in Advanced options and the calculator adds the $5.75 monthly employee tax for each month you clear the $500 earnings threshold.
Official sources
Verified rules behind this page
Colorado DR 1098 (2026)
The 4.40% wage-withholding formula and default annual adjustments based on federal W-4 filing status.
Open official source ↗Denver Tax Guide Topic No. 61, Occupational Privilege Taxes
Employee occupational privilege tax of $5.75 per month for employees earning at least $500 in a month for services performed in Denver. The $4.00 business OPT is employer-paid and excluded from withholding.
Open official source ↗Colorado FAMLI Employer Premium Guidance
2026 FAMLI premium of 0.88% of wages split evenly, so the employee pays 0.44% on wages up to the federal Social Security wage cap.
Open official source ↗