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Free Form W-4 withholding calculator. Walk through Steps 1–4 style inputs on a single pay stream, see estimated federal income tax withholding per paycheck, and compare employee FICA lines for context. More on the payroll and tax calculator hub.
Last updated: April 21, 2026
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Coarse extra federal income tax in this model
Federal income tax withholding (est.)
$116.92
Social Security (employee)
$148.80
Medicare (employee)
$34.80
Total modeled taxes per pay
$300.52
Estimated net after these lines
$2099.48
Annualized gross wages ~$62,400 · Modeled taxable ~$29,200 · Annual federal income tax ~$3040.00
No state or local withholding. Not a substitute for IRS or employer withholding systems.
Annualization
Wages base
Builds a full-year wage starting point before standard deduction and brackets.
Coarse adjustment
+6% modeled tax
A planning nudge—not the official two-earner tables from Publication 15-T.
Capped input
Less withholding bias
Enter an annual dollar aligned with your real W-4 Step 3 planning.
4(a)–4(c)
Fine-tune shape
Layer other income, itemized-style reductions in this snapshot, and flat extra withholding.
Employee share
6.2% + 1.45%
Additional Medicare tax on very high wages is not modeled here.
Notes & rules
What we skip
State withholding, pre-tax benefits, and exact IRS rounding live outside this model.
~$49.6k annualized gross, single, Step 2(c) on, $25 extra federal per biweekly pay (illustrative only):
Federal withholding / pay
$186.81
Est. net after modeled taxes
$1575.23
The calculator multiplies gross wages per paycheck by the number of pay periods in a year for your selected frequency. It then builds a simplified taxable income amount using the federal standard deduction for your filing status, optional Step 3 offset, Step 4(a) other income, and Step 4(b) additional deductions. Federal income tax is estimated with ordinary progressive brackets on that taxable amount. If Step 2(c) is checked, the modeled federal income tax is increased by six percent as a stand-in for multiple-job caution. The annual federal income tax is divided by pay periods and Step 4(c) extra withholding is added each pay. Employee Social Security and Medicare are shown separately using common employee rates and a planning Social Security wage base.
Gross × periods → taxable base → bracket tax → ÷ periods + 4(c) + FICA linesAlso see the multiple jobs withholding calculator when two employers each withhold too little in aggregate.
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