For employees, withholding is the amount of federal income tax withheld from your paycheck. The amount of income tax your employer withholds from your regular pay depends on two things:

  • The amount you earn.
  • The information you give your employer on Form W–4.

For help with your withholding, you may use the Tax Withholding Estimator.

The Estimator will securely

  • Estimate your federal income tax withholding
  • See how your refund, take-home pay or tax due are affected by withholding amount
  • Choose an estimated withholding amount that works for you

(Results are as accurate as the information you enter.)

When should I check my withholding?

Every year, especially when you have a major life change. Changes could include a:

  • New job or other paid work
  • Major income change
  • Marriage
  • Child birth or adoption
  • Home purchase

Why should I check my withholding?
There are several reasons:

  • It can protect against having too little tax withheld and facing an unexpected tax bill or penalty at tax time next year.
  • It can let you adjust your tax withheld up front, so you receive a bigger paycheck and smaller refund at tax time.

If you do decide to change your tax withholding mid-year, check your tax withholdings at the year-end and adjust as needed with a new W-4.

If you have more questions about your withholding, ask your employer or contact us at or (616)957-2055.