W-4 Withholding Calculator 2026 — How Much to Withhold
Walk through W-4 Steps 1–4 in plain English, estimate your 2026 tax liability, compare current withholding against a recommended target, and print a simple instruction sheet for payroll updates.
Your withholding inputs
Built-in 2026 brackets and standard deductions power the estimate.
How W-4 Steps 1–4 work
Step 1 — Filing status: Pick the tax filing status you expect to use on your return. This drives your standard deduction and tax brackets.
Step 2 — Multiple jobs: If your household has more than one job, payroll often needs a higher withholding target so you do not come up short at tax time.
Step 3 — Credits: Enter dependent or other annual credits so payroll can reduce withholding instead of waiting for refund time.
Step 4 — Other adjustments: Add other income in Step 4(a), extra deductions above the standard deduction in Step 4(b), and any extra per-paycheck withholding in Step 4(c).
W-4 & Payroll Setup Guide
→ /store/w4-payroll-setup-guide/
Recommended W-4 settings
Current vs recommended withholding appears side by side.