Colorado Income Tax Calculator 2026
See your Colorado state tax, effective rate, and take-home pay in 60 seconds.
Estimate only. Uses 2026 federal figures, Coloradostate figures (see sources below), and a standard-deduction federal calculation. Filing status “Head of household” uses the single column for Colorado. Your actual tax depends on credits, additional income, and adjustments.
Worked example: A single filer earning $85,000 in Colorado
Start with $85,000 of wages. Colorado applies its flat 4.4% rate, which comes to about $3,740 in state income tax — an effective state rate near 4.4%. Federal income tax and FICA are calculated separately and shown in the calculator above.
Assumes a single filer taking the standard treatment. Figures are educational estimates.
How Colorado taxes income
Colorado is a flat-tax state: all taxable income is taxed at the same 4.4% rate, regardless of how much you earn. There are no brackets to climb.
Colorado generally starts from your federal income, applies state-specific adjustments, and then applies the flat 4.4% rate. Deductions, exemptions, and credits can change the final number — confirm the current details with the Colorado Department of Revenue.
2026 rate structure
Retirement income & Social Security
Colorado generally taxes retirement income such as 401(k), IRA, and pension distributions, though it may offer exclusions, deductions, or credits for certain pension or retirement income and for older taxpayers. Confirm the current exclusions with the Colorado Department of Revenue.
Local taxes & reciprocity
Colorado has no local or city income tax — only the state income tax applies to wages.
Reciprocity: Colorado has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid double taxation.
Notable deductions, credits & other taxes
Deductions & credits
- Colorado standard deduction and personal exemptions (verify current amounts with the Colorado Department of Revenue)
- Credit for income taxes paid to other states (for residents with out-of-state income)
- State versions of common credits — earned income, child/dependent care, and education credits — where offered
Capital gains: Colorado has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at the flat 4.4% rate.
Property tax: Property taxes in Colorado are assessed and collected locally, so effective rates vary widely by county and municipality. Check your county assessor or the Colorado Department of Revenue for local rates.
Colorado vs. neighboring states
Compared with its neighbors — Arizona, Kansas, Nebraska, New Mexico — Colorado's flat 4.4% sit within the regional range. Effective rates depend heavily on income level, deductions, and local taxes. Note that Wyoming has no income tax at all, which can matter for people living or working near the border.
Colorado state tax FAQs
What is the Colorado state income tax rate for 2026?
Colorado levies a flat 4.4% income tax that applies to all taxable income, with no graduated brackets.
Does Colorado tax retirement income or Social Security?
Colorado taxes a portion of Social Security benefits, subject to income thresholds and exemptions. Confirm how much of your benefit is taxable with the Colorado Department of Revenue. For other retirement income, Colorado generally taxes 401(k), IRA, and pension distributions, though exclusions may apply. Verify with the Colorado Department of Revenue.
How are capital gains taxed in Colorado?
Colorado has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at the flat 4.4% rate.
Is there a local or city income tax in Colorado?
Colorado has no local or city income tax — only the state income tax applies to wages.
Does Colorado have tax reciprocity with neighboring states?
Colorado has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid being taxed twice.
Sources & verification
Last verified June 12, 2026.