Paycheck calculator › After taxes and rent › Denver › $80,000
$80,000 after taxes and rent in Denver (2026)
A $80,000 salary in Denver takes home $5,162 a month after federal tax, FICA, Colorado state tax. A typical one-bedroom costs $1,754 (HUD FY2026), leaving $3,408 a month for everything else — rent is 34.0% of take-home, above the 30% guideline. A studio leaves $3,519; a two-bedroom $3,073.
Your pay
Take-home pay
$5,162
take-home pay a month
from a gross of $6,667
Effective tax rate 22.6%Marginal rate 34.5%Total taxes $18,062
Federal tax 11.0%FICA 7.6%State 4.0%Take-home 77.4%
I want to take home
$
Net pay on my pay stub
$
| Line | A | B | Difference |
|---|
| Line | Monthly | Yearly |
|---|---|---|
| Gross pay | $6,667 | $80,000 |
| Federal income tax | −$731 | −$8,770 |
| Taxable income $63,900 = wages $80,000 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%). | ||
| Social Security (6.2%) | −$413 | −$4,960 |
| 6.2% of $80,000. | ||
| Medicare (1.45%) | −$97 | −$1,160 |
| 1.45% of $80,000. | ||
| Colorado state income tax | −$234 | −$2,812 |
| Taxable $63,900 = wages $80,000 − deduction $16,100. Flat 4.4%. | ||
| CO FAMLI | −$30 | −$360 |
| 0.45% of wages up to $184,500. | ||
| Take-home pay | $5,162 | $61,938 |
take-home pay a month$5,162
$80,000 in Denver: monthly budget after rent
| Unit | HUD FMR | Left after rent / mo | Rent share of take-home |
|---|---|---|---|
| Studio | $1,643 | $3,519 | 31.8% |
| One bedroom | $1,754 | $3,408 | 34.0% |
| Two bedrooms | $2,089 | $3,073 | 40.5% |
| Three bedrooms | $2,734 | $2,428 | 53.0% |
Rents are HUD Fair Market Rents for FY2026 (the 40th-percentile gross rent, utilities included, for the metro area — a modest, typical unit, not a luxury one). Take-home is for a single filer with no pre-tax deductions, 2026 tables, city tax where it applies. The 30% rule compares rent with take-home pay, not gross.