W-4 Withholding Calculator
Estimate federal income tax withholding from your paycheck under the 2026 W-4 form. Calibrate extra withholding or adjustments so you avoid a refund (interest-free loan to the IRS) or an under-withholding penalty.
FINANCEEstimate federal income tax withholding from your paycheck under the 2026 W-4 form. Calibrate extra withholding or adjustments so you avoid a refund (interest-free loan to the IRS) or an under-withholding penalty.
Detailed instructions, formula notes, and US-context guidance shown in the calculator above.
W-4 Withholding Calculator (2026)
Estimate federal income tax withholding per paycheck under the redesigned 2020+ W-4. Calibrate extra withholding to avoid a refund or under-withholding penalty.
Two-earner couples: use the higher-paying job for Step 2(b). Excludes FICA (7.65%), state, and AMT. The 2020 W-4 replaced personal allowances with dollar amounts.