W-4 Withholding Calculator
Estimate your federal tax liability, current withholding trajectory, and the additional withholding needed to avoid owing at tax time.
Step 1 — Filing Status & Pay
Step 2 — Multiple Jobs / Spouse Income
Step 3 — Dependents
Step 4 — Other Adjustments (optional)
Projected annual tax
$8,774
11.2% effective rate on $78,000
Projected refund
$0
Overwithheld — consider reducing
Recommended Step 3 credit (total)
$0
0 children × $2,000 + 0 other × $500
Show the math
Your projected annual income is annualized from your gross pay per period. The estimated federal tax is then computed using the standard deduction and your filing status bracket table. Step 3 dependent credits directly reduce the tax owed.
Projected annual income = $78,000 | Estimated annual tax = $8,774 (11.2% effective)
Step 3 credits = 0 × $2,000 + 0 × $500 = $0 | Projected refund: $0
Your current withholding is on track — no additional Step 4(c) amount is needed.