FREE TOOL
Free Tax Withholding Estimator
Check your withholding before April, not after.
If too little is coming out of your paycheck, you find out in April with a bill. The IRS has a free estimator that shows whether you're on track.
When should you check?
Withholding that worked last year often doesn't fit this year. These are the situations where it usually goes wrong.
RSUs vested
Employers usually withhold a flat 22% on vested RSUs, which is often below your actual rate. The difference shows up as a balance due in April.
A life change
Marriage, divorce, a new baby, or a new job can all change how much should come out of each paycheck.
Side income
Freelance, rental, and gig income usually has nothing withheld, so the tax comes due with your return unless you pay during the year.
Two jobs in one household
Each employer withholds as if it's the only job, so two W-2s together often come up short.
What to have ready
- Most recent pay stub
- Most recent tax return
- Spouse's pay stub if married filing jointly
- Other income amounts (side, rental, investment)
- Deductions and credits you expect to claim
- Any estimated tax payments already made
The IRS tool gives a general estimate. RSUs, self-employment income, more than one state, or significant investment income all make it less reliable.
Want a number you can rely on?
If RSUs, side income, or investment gains are part of your year, we'll run your actual figures and tell you what to adjust.