W-4 Withholding Calculator
Calculate optimal W-4 withholding for 2026. Avoid owing taxes at filing or getting too large a refund. Filing status, dependents, income, deductions, and current withholding.
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Step 1: Filing Status & Income
Step 2: Dependents
Step 3: Adjustments
Step 4: Current Withholding
How to Use the W-4 Calculator
- Select your filing status and enter your expected annual income.
- Add spouse income (if MFJ), other income, and dependent information.
- Enter your current per-paycheck withholding from your pay stub.
- See if you need to adjust your W-4 to avoid owing or over-withholding.
W-4 Form Steps
- Step 1: Filing status (Single, MFJ, HoH)
- Step 2: Multiple jobs or spouse works
- Step 3: Dependents (child tax credit $2,000, other $500)
- Step 4: Other adjustments (other income, deductions, extra withholding)
- 100% client-side -- your data is never sent anywhere
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Disclaimer: This tool is provided as-is for informational and educational purposes only.