W-4 Withholding Calculator
Your W-4 controls how much federal tax your employer withholds. Enter your pay and current withholding to see whether you are on track for a refund, a bill, or just about right for 2026.
How to use this calculator
- Enter annual salary.
- Enter other taxable income.
- Enter filing status.
- Enter tax credits.
- Enter federal tax already withheld this year.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
It estimates your 2026 federal tax on taxable income (gross minus the $16,100 single / $32,200 joint standard deduction), subtracts any credits, then compares that to what your employer has already withheld. Withheld more than tax = refund; less = amount owed.
Frequently asked questions
What should I put on my W-4?
Most people want a refund near zero: enough withheld to avoid underpayment penalties, but not so much that you are lending the IRS your money interest-free. If this calculator shows a large refund or a big bill, adjust Step 4(c) of your W-4 (extra withholding).
What if I have multiple jobs or a spouse who works?
Use the multiple-jobs worksheet in Step 2 of Form W-4, or the IRS Tax Withholding Estimator. With two incomes, the standard deduction is claimed once, so combined withholding often needs adjustment.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.