Estimate your full-year federal tax, project your withholding, and get a suggested W-4 Step 3 and Step 4(c) amount so you don't over- or under-pay. 2026 brackets & standard deduction.
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Your paycheck
$
Before taxes & deductions
Of 26 this year · 12 already paid
Year-to-date (from your latest pay stub)
$
Total wages so far this year
$
Federal only — not Social Security/Medicare
Dependents (W-4 Step 3)
Child Tax Credit $2,200 each
$500 credit each
Other income & second job
$
Interest, dividends, side income with no withholding
Pre-tax payroll deductions (annual)
$
Traditional, pre-tax
$
Through payroll
$
Health/dependent-care FSA
Your 2026 projection
Est. full-year tax
$8,330
Est. refund
$337
Projected wages (full year)$78,000
Pre-tax deductions−$0
Taxable income (after std. ded.)$61,900
Tax credits (Step 3)−$0
Projected federal withholding$8,667
≈ $333/paycheck at your current pace
Suggested W-4 entries
Step 3 — total dependent credits$0
Step 4(c) — extra withholding / paycheck$0
You're over-withholding — no extra needed
✅ On track for a refund. At your current pace you're on track to withhold about $8,667 against an estimated $8,330 federal tax — roughly a $337 refund. A large refund means you're lending the IRS money interest-free. To keep more in each paycheck, you could reduce extra withholding or add dependents/deductions you qualify for on your W-4.
Educational estimate only — not tax advice. Uses 2026 federal brackets and the standard deduction; your employer's withholding follows IRS percentage-method tables and may differ. For your official W-4, use the IRS Tax Withholding Estimator and confirm with a tax professional.