Private by design

Tax year 2026

Stop guessing your withholding. Avoid an April tax surprise.

Upload a paystub or run a 30-second check to see your projected withholding drift, review your safe-harbor signal, and find a practical next step.

30-second micro-audit

See whether your withholding is drifting.

Choose your situation and enter three rough numbers. This screening estimate stays in your browser and is not a tax calculation.

Free quick check

Stays in your browser

Rough annual household earnings

YTD gross pay

YTD federal withholding

Enter all three amounts to enable the check.

Skip typing — PDF, TXT, or CSV · max 5 MB

Why Withholdwise pays for itself

See the cost of a plan next to the size of your gap.

Underpayment penalties and balances due vary by taxpayer, payment timing, and tax year. This comparison uses your own screening result instead of an average claim.

Your economics at a glance

Run the free quick check to see your projected gap beside the $49 annual and $129 lifetime options.

Pro provides planning tools and guidance. It does not guarantee savings, penalty avoidance, a refund, or a specific tax result.

Quick-start presets

Start with the situation that sounds like you.

Fine-tune anytime

Select your situation to see only the fields you need. Your results update as you type.

Start with your pay statement(s)

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

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.

What do you want to adjust?

Tax year

Work setup (Multi-state is Pro)

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

Expected annual wages

Filing status

Withheld YTD

Use the federal or state line matching your selection.

Withheld this paycheck

Used to tell you how much to adjust.

Paychecks remaining

Auto-estimated from an uploaded paystub; edit for an unusual schedule. This spreads any projected gap across remaining paychecks.

Add deductions, dependents, or other income(federal detail)

›Household & variable pay

Second W-2 / spouse wages

Expected annual wages from another job or spouse.

Second W-2 withheld YTD

Bonus / commission income

Expected taxable amount for this year.

RSU vesting income

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

Bonus / RSU tax withheld YTD

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)

401(k) / 403(b)

HSA

FSA

Health insurance

Other pre-tax

›Credits

Dependent care

Education credit

EV credit

Other credits

›Self-employment (1099 / Schedule C) Pro

Self-employment (1099 / schedule C) Pro

I have self-employment income

Adds Schedule SE (15.3%) and Form 1040-ES quarterly estimate.

›Other income and dependents

Other

Other taxable income

Qualifying children

Other dependents

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.

Prior-year total tax

Prior-year income

Optional context for the comparison.

Track your progress

What changed, pulse checks, scenarios & backups

Review paystub history, complete quarterly checks, compare scenarios, and manage encrypted backups — all on your Track page.

Open your Track page

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.

Three numbers, about 30 seconds