Colorado income tax calculator
Estimate your 2026 Colorado and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $2,592 in Colorado income tax and $7,676 in federal income tax.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Estimated federal amount owed
$876.00
Federal tax $9,876 · Colorado owed $3,032
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| Colorado and local tax | $3,032 | 3.6% |
| Income after these taxes | $72,092 | 84.8% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- CO tax after credits
- $3,032
Where your federal tax comes from
Ordinary income by bracketFederal return summary
Form 1040, 2026| Line | Amount |
|---|---|
| Total income | $85,000.00 |
| Adjustments | -$0.00 |
| Adjusted gross income | $85,000.00 |
| Standard deduction | -$16,100.00 |
| Taxable income | $68,900.00 |
| Income tax | $9,876.00 |
| Total federal tax | $9,876.00 |
| Withholding and estimated payments | $9,000.00 |
| Federal amount owed | $876.00 |
Colorado return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $68,900.00 |
| Tax before credits | $3,031.60 |
| State tax after credits | $3,031.60 |
| State withheld | $0.00 |
| State amount owed | $3,031.60 |
- Child tax credit uses 2025 income tiers until CDOR publishes 2026 figures.
Income tax in Colorado
- Colorado taxes income at a flat 4.40% for 2026 and starts from federal taxable income, so the federal standard or itemized deduction carries over.
- The federal tips deduction also flows through, but the federal overtime deduction must be added back starting in 2026.
- Residents 65 or older can subtract all taxable Social Security, plus pension income up to a $24,000 limit that the Social Security subtraction reduces; the limit is $20,000 at ages 55 to 64.
- The refundable Colorado EITC drops to 25% of the federal credit in 2026, and the refundable care credit is 70% of the federal credit (before the federal tax limit) for federal AGI of $60,000 or less.
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | Colorado tax, single | Colorado rate, single | Colorado tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $1,054 | 2.6% | $345 |
| $60,000 | $5,023 | $1,934 | 3.2% | $1,225 |
| $75,000 | $7,676 | $2,592 | 3.5% | $1,885 |
| $100,000 | $13,176 | $3,692 | 3.7% | $2,983 |
| $150,000 | $24,734 | $5,892 | 3.9% | $5,183 |
Rates
Top rate 4.4%. At $75,000 of wages, each extra $1,000 adds about $44 of Colorado tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: Colorado tax of $1,225 before credits, credits of Colorado EITC ($311), Child tax credit ($600), Child and dependent care credit ($735), for a refund of $421.
Local income tax
None figured on the Colorado return.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the Colorado paycheck calculator.
More for Colorado: Colorado paycheck calculator · Colorado mortgage calculator · Colorado home affordability calculator
Income tax calculators for other states
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How this is calculated
Federal return
The 2026 Form 1040: standard or itemized deduction, the new Schedule 1-A deductions, tax rates, child tax credit, child and dependent care credit and EITC.
Colorado
Colorado's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits.
Sources
Official Colorado tax guidance (4 sources), checked for 2026. Child tax credit uses 2025 income tiers until CDOR publishes 2026 figures.
Sources
Related guides
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- 2026 federal income tax brackets and standard deductionThe 2026 tax brackets for every filing status, the standard deduction, how marginal rates really work, and what a typical household pays.
- The 2026 tips and overtime deductions, explainedWho can deduct tips and overtime pay from 2025 through 2028, the limits and phase-outs, what counts, which states follow, and how much they save.
- How to adjust your W-4 so you don't owe at tax timeWhat each step of the 2026 Form W-4 does, how to fix withholding that is too low or too high, and worked examples for two jobs, kids and side income.
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- States with no income tax, and what they charge insteadThe nine states with no tax on wages, how much a typical worker saves there, and the sales, property and other taxes that make up the difference.
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Questions
How much Colorado income tax do I pay on $75,000?
About $2,592 for a single filer with only wage income and the standard deduction (3.5% of income), or $1,885 for a married couple filing jointly on the same income. Federal income tax on $75,000 for a single filer is about $7,676.
What is Colorado's top income tax rate in 2026?
4.4% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $44 of Colorado tax.
Does Colorado tax Social Security and retirement income?
A single retiree aged 67 with $30,000 of Social Security and $30,000 of pension or IRA withdrawals owes no Colorado income tax in 2026 once the state's exclusions, deductions and rates are applied.