1
Your Situation
Set your filing status, state, and household income details.
Tax Profile
These settings apply across all calculations on this page.
Select your filing status above. The standard deduction will be applied automatically unless your itemized deductions are higher.
2
Employers
Add all of your W-2 employers. Income stacks across jobs for tax purposes.
Multiple employers: Each employer withholds as if they're your only job. With 2+ W-2s, your combined income can push you into a higher bracket and you'll owe at filing. The withholding section below shows exactly how to fix this.
3
401(k) Contributions
Maximize employer match and stay within the IRS limit.
Pre-tax vs Roth: If your marginal rate is 24% or higher, pre-tax contributions almost always win. You save at your current high rate and pay a lower rate in retirement. Roth makes sense if you expect your retirement rate to be higher than today.
IRS Employee Contribution Limit — 2026
Applies across all your 401(k) accounts combined. $24,500 maximum.
Allocated
$0.00
Remaining
$24,500.00
Over the IRS limit. Excess deferrals are taxed twice. Reduce your contribution percentages to stay at or below $24,500 across all employers.
Contributions are within IRS limits and you're capturing employer match funds.
4
Tax Estimate
Federal + state liability based on your 2026 income profile.
Line ItemAmountNotes
5
W-4 Extra Withholding
Add these amounts to Step 4(c) of your W-4 at each employer to avoid a balance due at filing.
Expected Withholding Already This Year
Employer
Schedule
Periods
Extra / Paycheck
Extra / Year
Add employers to see withholding recommendations.
Q
Quarterly Estimated Payments
In addition to W-4 adjustments, consider quarterly estimated payments to cover the remaining gap.
QuarterDue DateEstimated AmountStatus
Q1 2026
April 15, 2026
--
Due now
Q2 2026
June 16, 2026
--
Upcoming
Q3 2026
Sept 15, 2026
--
Upcoming
Q4 2026
Jan 15, 2027
--
Upcoming
Disclaimer: These are estimates for planning purposes only. Tax laws change annually, individual situations vary, and this tool does not account for AMT, tax credits, self-employment tax, capital gains, or other adjustments. Always consult a qualified CPA or tax professional before making withholding changes.