2026 federal withholding checkup

Estimate your 2026 federal income tax, compare it to what's being withheld from your pay, and see how to adjust your W-4 to land where you want at filing time.

Filing status

Pay frequency

Gross pay / paycheck

Fed tax withheld / paycheck

Pre-tax / paycheck (401k, HSA)

Other annual income

Children under 17

Extra annual withholding

How your income fills the 2026 brackets

Withholding vs. projected tax

Want a real W-4 and estimated-tax plan for your situation? This is a federal estimate — let's get the whole picture right.

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Estimate only, for planning — not tax advice or a substitute for IRS Form W-4 or the IRS Tax Withholding Estimator. Covers federal income tax withholding using 2026 brackets and the standard deduction (Rev. Proc. 2025-32). It excludes Social Security and Medicare (FICA), California and other state withholding, itemized deductions, multiple-job effects, the QBI deduction, other credits and income, and AMT. California withholding is calculated separately. Confirm your situation with a CPA before changing your withholding.