W-4 Withholding Planner
Optimize Your Paycheck
Use this tool to understand how your Form W-4 choices affect your take-home pay and year-end tax refund or balance due. Adjust the settings below to match your financial situation.
Your filing status determines your standard deduction and tax rates.
Crucial for accuracy. If this step is ignored by two-earner households, it often results in under-withholding and a surprise tax bill. Use the fields below to estimate the extra withholding needed.
Credits directly reduce your tax liability and increase your take-home pay. Each qualifying child is worth a $2,000 credit, and other dependents are worth $500.
Include interest, dividends, etc. This increases withholding to avoid separate estimated tax payments.
Enter deductions beyond the standard deduction (e.g., student loan interest, itemized deductions). This reduces withholding.
Used to estimate paycheck impact. (e.g., 52 for weekly, 26 for bi-weekly, 12 for monthly).
Financial Impact Summary
Estimated Annual Tax Liability
$0
Total Annual Withholding
$0
Estimated Annual Result
$0 Refund
Your withholding settings are set.
