WithholdwiseFederal and state withholding planner
Private by design
Tax year 2026

Stop guessing your withholding. Avoid an April tax surprise.

Upload a paystub or run a 30-second check to see your projected withholding drift, review your safe-harbor signal, and find a practical next step.

✓Reviewed by Tax Experts & Enrolled Agents · Updated for Tax Year 2026
IRS Form W-4 (2026) ↗·IRS Pub 15-T ↗·IRS Topic 306 ↗
30-second micro-audit

See whether your withholding is drifting.

Choose your situation and enter three rough numbers. This screening estimate stays in your browser and is not a tax calculation.

Stays in your browser
🔒100% On-Device Privacy: Your financial numbers and paystub data are processed strictly in your browser. No SSNs, salary data, or tax info are uploaded or saved to remote servers.
Enter all three amounts to enable the check.
Skip typing — PDF, photo, TXT, or CSV · max 5 MB
Why Withholdwise pays for itself

Continuous tracking beats a static one-time IRS guess.

Unlike the IRS Estimator's static 25-minute snapshot, Withholdwise provides ongoing quarterly tracking that monitors your paystub drift after bonuses, raises, or tax changes. Fixing your withholding early prevents the 8% IRS underpayment interest penalty and eliminates late-year paycheck shock.

Your economics at a glance
Run the free quick check to see your projected gap beside the $49 annual and $169 lifetime options.

Pro provides planning tools and guidance. Penalty interest rate based on current IRS 8% APR benchmark. It does not guarantee a specific tax result.

Quick-start presets

Start with the situation that sounds like you.

Select your situation to see only the fields you need. Your results update as you type.

Start with your pay statement(s)

Text-based PDF, photo, TXT, or CSV · maximum 5 MB

Processed locallyThe file is processed in memory for this request only. It is not saved or shared. Redact your SSN, address, bank details, and employee ID first.

Or enter it manually

Choose the tax type first. Optional details stay tucked away. Pro users get exact W-4 Step 4(c) adjustments

These impact your withholding bonus/RSU income, dependent changes, pre-tax deductions, and filing status.

Used in state mode; keep Single state for federal or one-state work.

Use the federal or state line matching your selection.

Used to tell you how much to adjust.

Auto-estimated from an uploaded paystub; edit for an unusual schedule. This spreads any projected gap across remaining paychecks.

Add deductions, dependents, or other income(federal detail)
›Household & variable pay

Expected annual wages from another job or spouse.

Expected taxable amount for this year.

Use the taxable value expected to vest — not the grant value.

For two jobs, review W-4 Step 2. For bonuses and RSUs, payroll may use supplemental withholding rules; this estimate treats the income as taxable ordinary income.

›Pre-tax deductions (per paycheck)
›Credits
›Self-employment (1099 / Schedule C) Pro
Self-employment (1099 / schedule C) Pro
›Other income and dependents
Other
Check against last year(optional, recommended)

Enter totals from last year's return — not your entire return. Federal: Form 1040, 'total tax.' State: your state return's total tax. This is a trust check, not part of this year's calculation.

Optional context for the comparison.

Your next step
Estimate
Federal income tax per paycheck
Your one-number answer will appear here. Start by choosing federal or state, then enter the essentials.
How this works

This estimates your federal income tax using 2026 IRS brackets and your W-4-like inputs. It tells you the per-paycheck adjustment to request from your employer payroll system.

Track your progress

What changed, pulse checks, scenarios & backups

Review paystub history, complete quarterly checks, compare scenarios, and manage encrypted backups — all on your Track page.

Open your Track page
50 states

Every state is available, including states with no wage-income tax.

Private

No accounts. No saved pay statements. No SSN or address needed.

Recheck

Run it again after a raise, bonus, job change, marriage, or new dependent.

Legal notice

This tool provides algorithmic tax estimation and self-directed withholding planning under IRC § 7701(a)(36). It is not certified tax advice, fiduciary CPA representation, or a substitute for professional tax counsel. Safe harbor calculations are based on IRS statutory thresholds (100%/110% of prior-year tax or 90% of current-year tax). Results are estimates only — actual withholding depends on your employer's payroll system, state/local tax tables, and individual circumstances. Consult a qualified tax professional for binding advice.

Educational estimator — not tax, legal, or financial advice.State rate source & methodology
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