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Take-home pay after federal, state and local taxes — salary or hourly, with overtime and pre-tax deductions.
Colorado · 2026 take-home pay
$12 an hour after taxes in Colorado
At $12 an hour in Colorado you keep about $10.42 of every hour — $417 a week, $1,805 a month or $21,665 a year full time — after 2026 federal income tax, Social Security, Medicare, Colorado income tax and state payroll programs. Colorado has a flat 4.4% income tax plus FAMLI, and its minimum wage is $15.16 an hour.
Where $12 an hour goes
| A year | A week | An hour | |
|---|---|---|---|
| Gross pay | $24,960 | $480 | $12.00 |
| Federal income tax | −$886 | −$17 | −$0.43 |
| Social Security (6.2%) | −$1,548 | −$30 | −$0.74 |
| Medicare (1.45%+) | −$362 | −$7 | −$0.17 |
| Colorado income tax | −$390 | −$7 | −$0.19 |
| FAMLI (Family and Medical Leave Insurance) | −$110 | −$2 | −$0.05 |
| Take-home pay | $21,665 | $417 | $10.42 |
Effective tax rate 13.2% · federal bracket 10% · Colorado bracket 4.4%.
FAMLI (Family and Medical Leave Insurance): 0.44% of wages.
Take-home per paycheck
| Paid | Gross | Take-home |
|---|---|---|
| Weekly (52 paychecks) | $480.00 | $416.63 |
| Every two weeks (26) | $960.00 | $833.27 |
| Twice a month (24) | $1,040.00 | $902.70 |
| Monthly (12) | $2,080.00 | $1,805.41 |
$12 an hour at different hours
Take-home in Colorado for part-time, full-time and overtime weeks. Overtime is paid at 1.5 times $12 an hour for hours over 40, as federal law requires for most hourly workers.
| Schedule | Gross a week | Take-home a week | Take-home a year |
|---|---|---|---|
| 20 hours a week* | $240 | $221 | $11,470 |
| 30 hours a week | $360 | $324 | $16,828 |
| 40 hours a week | $480 | $417 | $21,665 |
| 40 hours + 5 overtime | $570 | $486 | $25,270 |
| 40 hours + 10 overtime | $660 | $554 | $28,803 |
*If this is your only job. With a second job, withholding on each is likely too low unless you adjust your W-4.
Is $12 an hour good pay in Colorado?
- Minimum wage: $12 an hour is below Colorado's minimum wage of $15.16 an hour, so most employers there can't pay it. Denver and some other cities set higher local minimums.
- Among Colorado workers: It's below the 10th percentile of hourly pay in Colorado (BLS, May 2025) — fewer than about 1 in 10 workers earn less. The median is $28.75 an hour.
- Local prices: Colorado's price level is 103.1% of the U.S. average (BEA Regional Price Parities), so $21,665 a year buys about what $21,023 would at national-average prices.
- Rent: the 30% rule points to about $624 a month. Check it with your debts.
- A 50/30/20 budget: about $903 a month for needs, $542 for wants and $361 for savings. Plan it in the budget calculator.
How Colorado compares on $12 an hour
Colorado ranks 33rd of 51 for take-home pay on $12 an hour (1st = keeps the most). Here it is next to its neighbors.
| State | After tax, per hour | A year | Minimum wage | vs Colorado |
|---|---|---|---|---|
| Colorado | $10.42 | $21,665 | $15.16 | — |
| Arizona | $10.55 | $21,934 | $15.15 | +$269 a year |
| Kansas | $10.35 | $21,530 | $7.25 | −$135 a year |
| Nebraska | $10.49 | $21,818 | $15.00 | +$153 a year |
| New Mexico | $10.56 | $21,975 | $12.00 | +$310 a year |
| Oklahoma | $10.38 | $21,587 | $7.25 | −$78 a year |
| Utah | $10.54 | $21,932 | $7.25 | +$267 a year |
| Wyoming | $10.66 | $22,165 | $7.25 | +$500 a year |
How the federal tax on $24,960 ($12 an hour) is worked out
Taxable income is $24,960 minus the 2026 standard deduction ($16,100) = $8,860. Each slice is taxed at its own rate:
| Rate | Income in this bracket | Tax |
|---|---|---|
| 10% | $8,860 | $886 |
| Total | $8,860 | $886 |
How the Colorado income tax on $24,960 ($12 an hour) is worked out
Taxable income is $24,960 of Colorado wages minus $16,100 standard deduction = $8,860.
| Rate | Income in this bracket | Tax |
|---|---|---|
| 4.4% | $8,860 | $390 |
| Total | $8,860 | $390 |
Common questions
How much is $12 an hour after taxes in Colorado?
About $10.42 for every hour you work, or $21,665 a year at 40 hours a week ($24,960 gross). Taxes take about 13.2% of your pay, for a single filer in 2026 with no pre-tax deductions.
How much is $12 an hour a week after taxes in Colorado?
About $417 a week at 40 hours, from $480 gross. Paid every two weeks, each paycheck is about $833.
How much is $12 an hour a month after taxes in Colorado?
About $1,805 a month at 40 hours a week, from $2,080 gross.
Is $12 an hour good pay in Colorado?
$12 an hour is below Colorado's minimum wage of $15.16 an hour, so most employers there can't pay it. It's below the 10th percentile of hourly pay in Colorado (BLS, May 2025) — fewer than about 1 in 10 workers earn less. The median hourly wage for all jobs in Colorado is $28.75. After taxes and local prices, $21,665 a year buys about what $21,023 would at national-average prices.
Is Colorado a high-tax state for $12 an hour?
It ranks 33rd of 51 among the 50 states and D.C. for take-home on $12 an hour. The most you'd keep is $22,165 a year, in 9 places including Florida, North Dakota, New Hampshire; the least, $20,720 in Oregon.
More hourly rates
Sources and method
Our 2026 engine applies IRS Publication 15-T withholding, Social Security and Medicare, Colorado's income tax rules and Colorado's employee payroll programs (methodology). Local income taxes are not included. Minimum wages: U.S. Department of Labor. Wage distribution and jobs: BLS OEWS May 2025. Price levels: BEA Regional Price Parities.
- Publication 15-T (2026), Federal Income Tax Withholding Methods — Internal Revenue Service. Accessed October 14, 2026.
- State Minimum Wage Laws — U.S. Department of Labor, Wage and Hour Division. Accessed October 14, 2026.
- Occupational Employment and Wage Statistics, May 2025 — U.S. Bureau of Labor Statistics. Accessed October 14, 2026.
- Regional Price Parities by State — U.S. Bureau of Economic Analysis. Accessed October 14, 2026.