Find the ideal federal withholding for your W-4. Enter salary, pay frequency, filing status, and any credits to see the per-period amount that minimizes your tax surprise.
The 2020 redesigned W-4 replaced withholding allowances with dollar amounts. Step 3 (claim dependents), Step 4a (other income), Step 4b (deductions), and Step 4c (extra withholding) replace the old allowance system. Underpaying by more than $1,000 or 10% of tax owed can trigger a penalty — this calculator helps you avoid both outcomes.