W-4 Paycheck Calculator 2026: See Your Refund Instantly

TAX YEAR 2026

W-4 Paycheck Visualizer

Drag the sliders and watch your paycheck — and your refund — change in real time.

Your Setup
Annual Salary
$
Filing Status — Form W-4, Step 1(c)
Pay Frequency
Adjust Your W-4
STEP 3 Qualifying Children (under 17)
0
$2,200 tax credit per child  ·  $0/year total
STEP 4(c) Extra Withholding / Paycheck
$0
Voluntarily withhold more to build a refund cushion
STEP 4(b) Additional Deductions
$0
Itemized deductions above the standard deduction — or your OBBBA tips/overtime deduction (see Advanced Options below)
STEP 2(c) Multiple Jobs / Spouse Works
Check if you — or you and your spouse together — hold 2+ jobs at once
Next Paycheck
Take-Home Pay
$0
per paycheck
Gross Pay$0
Federal Income Tax−$0
Social Security (6.2%)−$0
Medicare (1.45%)−$0
Take-Home Pay$0
Tax Day Outlook
You'll OweSpot OnYou'll Get Back
$0
Estimated for the full 2026 tax year, based on what you've entered above.
STEP 3 Other Dependents (not children)
0
$500 credit each — e.g. adult dependents, parents you support
STEP 4(a) Other Income (not from jobs)
$
Interest, dividends, retirement income you want tax withheld for — annual amount
Combined Household Wages
$
Pairs with the Step 2(c) toggle above. If you or your spouse have a second job, enter your true total household wages here — this is the #1 real-world reason people unexpectedly owe at tax time, and it only shows up if you separately account for it.
Pre-Tax 401(k) Contribution
0%
Reduces federal taxable wages — but not Social Security or Medicare wages
Other Pre-Tax Deductions
$
Health insurance, HSA/FSA — per paycheck
State Income Tax Rate
%
Optional flat estimate — the W-4 only controls federal withholding. Your state uses its own form and brackets, so treat this as a rough add-on, not a real state calculation.
🧮 OBBBA Deduction Helper
"No Tax on Tips" and "No Tax on Overtime" are new deductions for 2025–2028. Estimate yours, then apply it to the Step 4(b) slider above.
$
$
Estimated deduction: $0/year
Federal withholding estimated with the IRS Percentage Method from Publication 15-T (Tax Year 2026) and OBBBA-adjusted brackets. Social Security, Medicare, and Additional Medicare Tax are calculated at current statutory rates.

This is an educational estimate, not tax advice — actual withholding is set by your employer's payroll system and can differ slightly due to rounding. For an official calculation, use the IRS Tax Withholding Estimator or talk to a tax professional.

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