FREE 2026 FEDERAL W-4 ESTIMATOR

Bring your withholding closer to your goal.

Use your latest paystub and your best full-year estimates. We’ll compare projected federal income tax with projected withholding and show a suggested next step.

Before you begin

STEP 1 OF 4

Tell us about your household and pay

This estimator is for U.S. residents with wages subject to federal withholding.

2026 filing status How often are you paid? Paychecks remaining in 2026 Number of W-2 jobs in the household Your age on December 31, 2026 Spouse age on December 31, 2026 Dependents under age 17Count qualifying children who will still be under 17 on December 31, 2026. Dependents age 17 or olderCount other people you reasonably expect to claim as dependents.

Multiple jobs require care. Include your spouse's wages and withholding if filing jointly. The W-4 multiple-jobs checkbox can work well when there are only two jobs with similar pay.

STEP 2 OF 4

Estimate your full-year income and deductions

Enter what you expect for all of 2026, including your spouse when filing jointly.

Your expected W-2 wages Spouse's expected W-2 wages Other income that is generally taxedInterest, unemployment, taxable retirement, or similar income Amounts that may reduce income before tax is calculatedDeductible IRA, HSA, student-loan interest, or other adjustments Expected itemized deductions (certain expenses listed separately)Leave blank to use the standard deduction—the set amount allowed without listing expenses Qualified tips reported for 2026Enter only voluntary tips reported on a tax form or other statement. Income and occupation rules apply. Qualified overtime premium for 2026Usually only the extra half of time-and-a-half pay—not all overtime wages. Interest paid on a qualifying personal vehicle loanNew personal-use vehicle loans may qualify only when all federal requirements are met. Other expected federal tax creditsDo not include child or other-dependent credits here. Examples include education or eligible energy credits. Other expected federal taxesSuch as self-employment tax from a separate estimate Extra amount you would like withheld for a possible refundOptional amount you prefer to overpay during the year

2026 standard deduction used if larger $16,100

STEP 3 OF 4

Enter federal withholding

Use federal income tax withholding—not Social Security, Medicare, or state tax.

Your federal withholding to date Federal withholding on your latest paycheck Spouse's federal withholding to date Spouse's expected future withholdingTotal expected on all remaining spouse paychecks

Do any of these apply? Self-employment income or gig work Capital gains, qualified dividends, or cryptocurrency sales Rental income or business losses Nonresident alien status

Why we ask: These items can require special tax calculations that this simplified estimator does not perform.

STEP 4 OF 4

Is enough federal tax being taken from your pay?

Review the assumptions before changing your Form W-4.

PROJECTED 2026 RESULT

Enter your information

Your recommendation will appear here.

Projected difference $0.00

Income after certain allowed adjustments (AGI)$0.00

Income remaining after deductions$0.00

Estimated federal tax$0.00

Federal tax expected from paychecks$0.00

FORM W-4 GUIDANCE

Complete the estimator first

Figures used

This educational estimate uses general 2026 federal tax rates and deductions. It cannot calculate every special tax rule, investment tax rate, income-based limit, penalty, or state tax. It is not designed for nonresident-alien withholding. Your employer—not ARITS—calculates the amount actually taken from your paycheck.

Contact ARITS for W-4 help

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