Optimize Your Paycheck Withholding
The W-4 form tells your employer how much federal income tax to withhold from each paycheck. Getting it right means you won't owe a large sum at tax time or give the government an interest-free loan.
- See if you're on track or need to adjust
- Account for multiple jobs and spouse income
- Get specific W-4 line recommendations
- Uses 2025 tax brackets and deductions
Frequently Asked Questions
What is Form W-4?+
Form W-4 tells your employer how much federal income tax to withhold from your paycheck. Getting it right prevents owing money or over-withholding.
How do I avoid owing taxes?+
Use this calculator to compare your projected tax to your withholding. If under-withheld, increase the amount on Line 4(c) of your W-4.
Should I claim dependents on my W-4?+
Yes, if you have qualifying dependents. This reduces withholding to account for the Child Tax Credit ($2,000) and Other Dependent Credit ($500).
How often should I update my W-4?+
Update after major life changes: marriage, divorce, new baby, home purchase, job change, or when your spouse's employment changes.
What if I have multiple jobs?+
Multiple jobs can cause under-withholding. Check Step 2 on your W-4, use the IRS worksheet, or add extra withholding on Line 4(c).