withholdwise
Federal + state planner
Private by design
Tax year 2026

Know what to change on your next paycheck.

Choose federal or any U.S. state. Upload a pay statement or enter the essentials, then get one clear adjustment.

Start with your pay statement(s)

Text-based PDF, TXT, or CSV · maximum 5 MB

The file is processed in memory for this request only. It is not saved or shared. Redact your SSN, address, bank details, and employee ID first.

Or enter it manually

Choose the tax type first. Optional details stay tucked away. Pro users get exact W-4 Step 4(c) adjustments

These impact your withholding bonus/RSU income, dependent changes, pre-tax deductions, and filing status.

Used in state mode; keep Single state for federal or one-state work.

Use the federal or state line matching your selection.

Used to tell you how much to adjust.

12 monthly · 24 twice-monthly · 26 biweekly · 52 weekly

Add deductions, dependents, or other income(federal detail)
Household & variable pay

Expected annual wages from another job or spouse.

Expected taxable amount for this year.

Use the taxable value expected to vest — not the grant value.

For two jobs, review W-4 Step 2. For bonuses and RSUs, payroll may use supplemental withholding rules; this estimate treats the income as taxable ordinary income.

Pre-tax deductions (per paycheck)
Credits
Self-employment (1099 / schedule C) Pro

e.g. 12000. Used with IRS standard mileage rate (67¢/mile for 2025: ≈$8,040 deduction).

Other
Check against last year(optional, recommended)

Enter totals from last year's return — not your entire return. Federal: Form 1040, 'total tax.' State: your state return's total tax. This is a trust check, not part of this year's calculation.

Optional context for the comparison.

Your next step
Estimate
Federal income tax per paycheck
Your one-number answer will appear here. Start by choosing federal or state, then enter the essentials.
How this works

This estimates your federal income tax using 2026 IRS brackets and your W-4-like inputs. It tells you the per-paycheck adjustment to request from your employer payroll system.

Quarterly Pulse

Upload a paystub at each checkpoint to track your withholding drift.

Scenario Comparison

Compare your current estimate against common life changes.

Pro
50 states

Every state is available, including states with no wage-income tax.

Private

No accounts. No saved pay statements. No SSN or address needed.

Recheck

Run it again after a raise, bonus, job change, marriage, or new dependent.