FOR W-2 WAGE WORKERS
2026 withholding planner.
Use federal taxable wages after pretax payroll deductions, not take-home pay. For joint returns, combine both spouses’ wages and withholding; treat each remaining payday as one combined withholding total.
ILLUSTRATIVE 2026 WAGE-ONLY ESTIMATE
Federal income tax before credits
Taxable income: $43,900
Projected withholding: $5,200
Projected withholding covers this simplified estimate
Credits and other income can change your actual result.
This is not your final tax balance or a Form W-4 recommendation.Limited model: single or joint filers, standard deduction, ordinary W-2 wages only. Excludes all credits, itemized and additional deductions, age/blindness adjustments, dependents, tips/overtime deductions, other income, self-employment, AMT, surtaxes, and state taxes. Figures are rounded. Use the IRS estimator for a fuller calculation before changing Form W-4.
Sources: IRS 2026 rates and deductions. Rules verified October 7, 2026. Your inputs stay in this browser.
