PaycheckState

Colorado Paycheck Calculator

Updated for the 2026 tax year · 2026 DR 1098 allowances and the 0.88% FAMLI premium.

Quick answer

How much is take-home pay on $60,000 in Colorado?

A single filer earning $60,000 in Colorado takes home about $1,835.69 per biweekly paycheck in 2026, or $47,727.92 a year. That is an effective tax rate of 20.5% across federal, FICA, and state withholdings.

SalaryTake-home (year)Effective rate
$40,000$32,625.9818.4%
$60,000$47,727.9220.5%
$80,000$61,479.9423.2%
$100,000$74,581.9625.4%

Single filer, paid biweekly, standard W-4, no pre-tax deductions.

Colorado withholds a flat 4.4% of 2026 wages after a standard allowance of $5,500, or $11,000 if your W-4 says married filing jointly. A separate FAMLI paid-leave premium takes 0.44% of wages up to $184,500, and Colorado has no local wage tax. Figures follow IRS Publication 15-T and the Colorado DR 1098 withholding worksheet for 2026.

How Colorado paycheck taxes work

A Colorado paycheck carries four tax withholdings: federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%), and Colorado state income tax, plus a fifth line for the FAMLI paid-leave premium. There is no local income tax on wages, so those five lines account for every tax on a typical Colorado stub. Anything else, such as a 401(k) contribution or health premium, is a deduction you chose.

Colorado's DR 1098 worksheet annualizes your pay, subtracts a standard allowance of $11,000 if your federal W-4 is married filing jointly or $5,500 for any other status, and applies 4.4% to the remainder. That annual figure divides back into your pay periods. If you gave your employer a Colorado DR 0004, the amount on its line 2 replaces the standard allowance; this calculator models the standard allowance, which is what most employees use.

FAMLI is Colorado's paid family and medical leave insurance. For 2026 the total premium is 0.88% of wages, split evenly, so 0.44% comes out of your paycheck on wages up to $184,500 and then stops for the year. Employers with fewer than 10 employees skip their half; your 0.44% still comes out. A few cities charge a flat occupational privilege tax of a few dollars a month, which is separate and is left out of this calculator.

Bonuses paid separately are withheld at the same flat 4.4%, so a Colorado bonus rarely creates a surprise at filing. Colorado has no reciprocity agreements with other states. For 2026 the FAMLI premium fell from 0.90% to 0.88% of wages. Paycheck withholding stays at 4.4% even if the state later grants a temporary TABOR rate reduction for the year, as it did for tax year 2025 at 4.25%; any such cut shows up on your return.

Colorado tax rates (2026)

Colorado withholding on annualized wages after the adjustments below.

State income tax4.4% flat
Standard deduction$5,500 single · $11,000 married jointly
CO FAMLI (paid family leave)0.44% up to $184,500

Example: $60,000 in Colorado

Single filer, paid biweekly, standard W-4, no pre-tax deductions.

Per paycheckPer year
Gross pay$2,307.69$60,000.00
Federal income tax$193.08$5,020.08
Social Security$143.08$3,720.00
Medicare$33.46$870.00
Colorado income tax$92.23$2,398.00
CO FAMLI (paid family leave)$10.15$264.00
Take-home pay$1,835.69$47,727.92

Colorado paycheck FAQ

How much is taken out of a paycheck in Colorado?

Federal income tax, Social Security at 6.2%, Medicare at 1.45%, Colorado income tax at 4.4% of annualized wages after a $5,500 or $11,000 allowance, and the FAMLI premium at 0.44% of wages up to $184,500. There is no local wage tax. The quick answer above shows a single filer on $60,000; the calculator recomputes it for your salary, pay schedule, and filing status.

What is the Colorado income tax rate for 2026?

Withholding runs at a flat 4.4% for 2026 under the DR 1098 worksheet. Colorado sometimes grants a temporary TABOR rate reduction at filing when the state runs a surplus; tax year 2025 came in at 4.25% that way. Any 2026 reduction would appear on your return as a lower rate or larger refund, while every 2026 paycheck is withheld at 4.4%.

What is the FAMLI deduction on my Colorado paycheck?

FAMLI is Colorado's paid family and medical leave insurance program. The 2026 premium is 0.88% of wages up to $184,500, split evenly between you and your employer, so 0.44% comes out of your paycheck. That is down from a 0.90% total in the prior year. Employers with fewer than 10 employees skip the employer half, and your 0.44% share stays the same.

Does Colorado have local income tax?

No city or county in Colorado takes a percentage of wages. A few cities, including Denver, charge an occupational privilege tax, a flat fee of a few dollars per month for people who work there, which your employer withholds. It is separate from income tax and is left out of this calculator, so if a small fixed amount appears on your stub, that is what it is.

How are bonuses taxed in Colorado?

A bonus paid separately from regular wages is withheld at Colorado's flat 4.4%, the same rate as ordinary wages, plus 22% federal supplemental withholding and FICA. Because the withholding rate equals the tax rate, Colorado bonuses rarely leave a balance due. A bonus folded into a regular paycheck runs through the normal DR 1098 formula instead.

What is the Colorado withholding allowance, and do I need Form DR 0004?

Without a DR 0004, your employer applies the DR 1098 standard allowance: $11,000 if your federal W-4 is married filing jointly, $5,500 for any other status, subtracted from annualized wages before the 4.4% rate. DR 0004 is optional; it lets you replace that allowance with your own annual amount, for example to account for large itemized deductions or a second job. Most employees never file one.

Sources

Rates verified against these documents on September 14, 2026.

  1. Colorado DR 1098 Withholding Worksheet for Employers, rev. 10/21/25 (2026)
  2. CDLE FAMLI Business Brief, Dec 2025 (2026 premium 0.88%)
  3. FAMLI employer page
  4. SSA 2026 wage base $184,500 (FAMLI cap)

More paycheck tools

Other paycheck calculators