Pub 15-T cited · 2025 W-4

💼 W-4 Withholding Optimizer

A big refund means you gave the IRS an interest-free loan all year. Target: $0 refund and max take-home.

Annual salary (your W-2 job)

Filing status

Number of qualifying children under 17

Other dependents (e.g. older kids, parents)

Spouse income (if MFJ)

Side income (1099, rental, annual)

Itemized deductions (if > std)

Target refund (recommend $0)

Your projected tax bill (2025)

Recommended W-4 Step 3, Dependent credits

Recommended W-4 Step 4(a), Other income

Recommended W-4 Step 4(c), Extra withholding per paycheck

How to apply: Give your employer an updated W-4. Step 3 = total credit dollars. Step 4(a) = annual side income. Step 4(c) = extra dollars to withhold per paycheck. Source: IRS Publication 15-T (Federal Income Tax Withholding Methods 2025).

Have our office prepare your new W-4 →

Estimates only based on 2025 federal rules. State withholding rules differ, we can model both. Phone 689-331-5723.