W-4 Withholding Calculator (2026)

Set 2026 federal withholding so you avoid an April surprise.

Instant results Private — runs in your browser Updated January 1970

Inputs

$
W-4 Line 4(c)
$
Recommended biweekly withholding
$379.62
Annual federal tax
$9,870.00
Taxable income
$68,900.00

How it works

Annual federal tax on (income − 2026 standard deduction) ÷ 26 biweekly pay periods, plus any extra withholding you request on W-4 Line 4(c).

Frequently asked questions

Are these amounts an exact tax bill?

No. They use verified 2026 IRS/SSA figures but ignore credits, phase-outs and AMT. Use tax software or a CPA to file.

Marginal vs effective rate?

Marginal is the rate on your next dollar. Effective is total tax ÷ taxable income — always lower because earlier brackets fill first.

Standard or itemized?

Take whichever is larger. 2026 standard deduction: Single $16,100 · MFJ $32,200 · HoH $24,150 · MFS $16,100.

How is state tax handled?

Eight states impose no income tax. The rest are approximated at their top rate — see your state's brackets for a precise figure.

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Capital Gains Tax
Short- vs long-term gains and tax owed.

Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.

Last updated January 1970