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FREE PAYROLL TAX CALCULATOR · 2025 & 2026

Federal income tax
Withholding Calculator

Model federal wage withholding for 2025 or 2026 using your pay frequency and modern W-4 elections. Review an annual projection or a single paycheck.

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No account or email Annual & single-paycheck modes Official source links
01

Your wage details

Calculate this employee tax on its own.

W-4 adjustments Optional

Match your 2020-or-later W-4. These are elections you supply, not eligibility determinations.

No name, SSN or email. Inputs are not saved to an order.

ESTIMATED EMPLOYEE TAX2026
$7,670.00

Projected annual withholding

Taxable wage basis annual$75,000.00

Federal income tax withholding only. This is not final income tax liability or take-home pay.

Tax breakdown

Annual
Employee tax estimate
Tax componentAmount
Federal income tax withholding$7,670.00
Total employee tax$7,670.00

Example: $75,000 annual covered wages · 2026 · Single · 26 checks

Calculation details

W-4 filing status
Single
W-4 Step 2 checkbox
Not applied
Method
IRS Publication 15-T · Worksheet 1A
TURN REAL DETAILS INTO DOCUMENTS

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Estimating pay costs nothing. Document preparation is a separate purchase: enter figures from your records, choose a layout and check the preview.

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FIND YOUR PREFERRED LAYOUT

Illustrations use fictional details. Each design has its own price; calculator inputs stay separate from document orders.

For the other paperwork on your list.

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READ THE W-4 ASSUMPTIONS

Withholding starts with your certificate.

Federal wage withholding is collected from payroll toward income tax. The amount changes with taxable wages, payroll frequency and the choices on Form W-4.

Follow the payroll worksheet

For a W-4 dated 2020 or later, the selected year’s Publication 15-T Worksheet 1A and automated percentage method determine this estimate. The method annualizes a check’s federal taxable wages, applies the worksheet adjustments and rate schedule, subtracts the relevant credit amount, and adds extra withholding for the check.

Enter elections in the right units

Steps 3, 4(a) and 4(b) use annual dollar amounts. Step 4(c) is extra withholding for each check. Step 2 checkbox treatment changes the schedule; it does not import wages from another job. Use the W-4 deductions worksheet amount for Step 4(b), rather than subtracting a standard deduction from wages.

A projection has limits

Annual mode models equal scheduled wages for a complete year and adds the rounded results of those checks. It does not reconstruct a midyear job change, changing pay or earlier W-4 elections. Paycheck mode calculates only the entered check.

Keep payroll and tax returns separate

This result excludes FICA, state and local withholding and does not determine final income-tax liability or a refund. Household income, credits and deductions can change the return. For multiple jobs or a midyear household review, use the IRS Tax Withholding Estimator.

Open the IRS Tax Withholding Estimator ↗

WORK THROUGH AN EXAMPLE · 2026

Follow a $2,000 biweekly check.

For 2026, use Single, 26 checks, Step 2 unchecked and zero optional amounts. Worksheet 1A annualizes wages to $52,000, then applies an $8,600 adjustment. Adjusted annual wages of $43,400 produce $4,060 tentative annual withholding. Dividing by 26 gives $156.15 after rounding. The same basic inputs give $161.60 per check under the 2025 tables.

Paycheck wage basis
$2,000.00
2026 federal withholding
$156.15
2025 federal withholding
$161.60

Federal income tax questions, answered.

Should I enter gross pay?

Enter wages subject to federal income-tax withholding for the period you select. Pre-tax benefits can make that amount different from gross pay.

Can this tell me the best W-4 elections?

No. You supply the elections. The tool applies the payroll method but does not recommend credits, establish exemption eligibility or combine household income.

Will the annual result match my tax return?

No. It projects wage withholding on the stated assumptions. A return determines liability using your complete tax situation.

CHECK THE DETAILS

Check the method behind the figures.

Select the payroll year you want to model and supply the correct taxable or covered wage basis. This calculator does not classify benefits or decide whether wages are taxable.

Rules were reviewed on October 26, 2026 for the two supported years. Later changes require another review. Use the result as a planning comparison alongside payroll records, rather than as a tax-return calculation.

FROM ESTIMATE TO RECORD

Give recorded payroll a clear layout.

Enter earnings and deductions from your records, select a document design and review the preview before payment.

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