Free W-4 Withholding Calculator
Calculate your correct withholding allowances and estimate federal tax withholding per paycheck.
Enter your total annual gross income
ESTIMATED WITHHOLDING PER PAYCHECK
$0
This is an estimate based on a 22% effective tax rate
Understanding W-4 Withholding
Your W-4 form determines how much federal income tax your employer withholds from each paycheck. Getting it right helps you avoid owing taxes or receiving a large refund at filing time.
Withholding Tips:
- Single with one job: Usually a standard withholding amount
- Multiple jobs or spouse income: May need extra withholding
- Dependents: Can reduce your withholding
- Itemize vs. standard: Affects your taxable income
When to Adjust Your W-4
- 💼 After getting a new job or raise
- 👥 When you get married or have children
- 🏠 After major life changes (home purchase, etc.)
- 📊 Receiving a large refund each year
- ⚠️ When owing taxes at filing time