Colorado Paycheck Calculator 2025 — Take-Home Pay

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Colorado Paycheck Calculator

Pay Frequency

Gross Pay

Filing Status

State

⚙️ Add Deductions (optional)

Pre-Tax Deductions

401(k), HSA, health insurance

Post-Tax Deductions

⚠️ Local Tax Note: Denver charges an Occupational Privilege Tax of .75/month on employees earning over /month. Other Denver metro cities have similar small taxes.

Official Sources & References

This calculator uses data from the following authoritative sources. All tax rates, brackets, and thresholds are verified against official government publications:

This calculator is for informational purposes only and does not constitute tax advice. Consult a qualified tax professional or the IRS for guidance specific to your situation.

Colorado State Income Tax Rates (2025)

Colorado uses a simple flat 4.4% income tax rate. Colorado voters approved TABOR (Taxpayer Bill of Rights), which limits how fast the government can grow revenue and often triggers refunds to taxpayers.

Colorado uses a flat 4.4% income tax rate on all taxable income.

The minimum wage in Colorado is $14.42/hr as of 2025. Colorado's minimum wage exceeds the federal minimum of $7.25/hr.

How to Calculate Your Colorado Paycheck

Your Colorado take-home pay is your gross pay minus the following deductions:

This calculator also serves as a Colorado payroll calculator, Colorado salary calculator, Colorado income calculator, and Colorado take home pay calculator. Whether you search for "CO paycheck calculator" or "colorado wage calculator," this tool gives you accurate 2025 results.

Federal Income Tax — based on 2025 IRS brackets and your filing status (10%–37%)
Social Security — 6.2% of wages up to $176,100 (2025 wage base)
Medicare — 1.45% of all wages (plus 0.9% surtax on earnings over $200,000)
Colorado State Income Tax — calculated using Colorado's 2025 tax brackets (top rate 4.4%)
Local/County Tax — Denver charges an Occupational Privilege Tax of .75/month on employees earning over /month. Other Denver metro cities have similar small taxes.
Pre-tax deductions — 401(k), HSA, health insurance premiums reduce your taxable income

Colorado Paycheck Quick Facts (2025)

State Income Tax	Flat — 4.4%
Minimum Wage	$14.81
Median Household Income	$87,598
Cost of Living Index	105.0 (US avg = 100)
Local Taxes	Some cities levy occupational privilege taxes (e.g., Denver $5.75/month)
Pay Frequency Law	Monthly, semi-monthly, or biweekly

What Makes Colorado Paychecks Unique

Colorado uses a flat system with a top rate of 4.4%. With a median household income of $87,598 and a cost of living index of 105.0 (where 100 is the national average), your paycheck's purchasing power is below the national average due to higher costs.

Colorado uses a flat 4.4% income tax rate applied to federal taxable income with minor adjustments.
Colorado's FAMLI (Family and Medical Leave Insurance) program deducts 0.45% from employee wages.
Colorado does not tax Social Security benefits for residents aged 55–64 (up to $20,000) and fully exempts them for those 65+.

💡 Local tax alert: Some cities levy occupational privilege taxes (e.g., Denver $5.75/month). These are deducted in addition to state and federal taxes and can significantly reduce your take-home pay. Use the calculator above to see your exact net pay.

Frequently Asked Questions — Colorado Paycheck

What is Colorado's income tax rate?

Colorado's top income tax rate is 4.4%. The state uses a flat rate applied to all taxable income.

How is Colorado state tax calculated?

Colorado income tax is calculated on your annual taxable income. For paycheck withholding, your employer annualizes your per-period pay, calculates the annual tax, then divides by your pay periods per year.

What is the minimum wage in Colorado?

The minimum wage in Colorado is $14.42/hr. This exceeds the federal minimum of $7.25/hr.

Are there local income taxes in Colorado?

Denver charges an Occupational Privilege Tax of .75/month on employees earning over /month. Other Denver metro cities have similar small taxes.

How do I reduce my Colorado state tax?

Contributing to pre-tax accounts like a 401(k), HSA, or FSA reduces your Colorado taxable income dollar-for-dollar. A $500/month 401(k) contribution can save $22/month in Colorado state tax alone.