📈 Investment & Retirement Calculators Colorado

Colorado Retirement Calculator

Plan your retirement in Colorado. Factor in higher cost of living and state income tax. Free calculator.

Free — No Sign-up Verified Data Editorially Reviewed Updated Feb 2026

Colorado Quick Facts

4.4% Income Tax Rate

0.51% Property Tax Rate

$82,254 Median Income

105.1 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

Retirement planning for Colorado. Colorado has a flat 4.4% state income tax on retirement income. Cost of living index: 105.1 (100 = national avg). Desired income is pre-filled based on 80% of Colorado's median household income, adjusted for local costs. Uses compound growth with 4% safe withdrawal rate.

Key State Information

Retiring in Colorado: Colorado has a flat 4.4% state income tax on retirement income. Cost of living: 105.1/100. Property tax: 0.51%. Median home: $530,000. Average home insurance: $2,820/yr.

Standard financial formulas Pre-filled with real state data Estimates only — not financial advice

Data Source

Census Bureau, Tax Foundation, SSA

View Original Source | Verified 2024-12-01 | Updated annually

Frequently Asked Questions

Is Colorado a good state to retire in?

Colorado's state income tax of up to 4.4% may reduce retirement income significantly. Cost of living is near the national average. Median home price: $530,000.

How much do I need to retire in Colorado?

Using the 4% rule, to generate $5,484/month (80% of Colorado median income) you'd need approximately $1,645,080 saved. Adjust up or down based on your lifestyle and housing costs.