Pricing & Plans
Simple, transparent pricing for year-round tax peace of mind.
Start free with basic paycheck planning, or upgrade to Pro for automated paystub OCR, quarterly drift tracking, and complete multi-income modeling.
Free Plan
Quick Planner
$0/ forever
Perfect for a single W-2 baseline check to see if your current paycheck withholding is on track.
- Basic W-2 federal & state estimation
- Safe-harbor penalty screening
- 100% on-device browser privacy
Annual Plan
Pro Annual
$49/ year
Ideal for active taxpayers who want quarterly paystub updates, drift tracking, and full W-4 modeling.
- Paystub PDF & photo OCR upload
- Quarterly pulse drift tracking
- Multi-W2, spouse, & bonus modeling
Best Value & Popular
Lifetime Access
Pro Lifetime
$129/ one-time payment
Pay once for multi-year withholding management with no recurring annual subscriptions.
- Everything in Annual Pro
- Multi-year planning & safe harbor history
- No annual renewals or subscription fatigue
Feature Matrix
Compare Free vs. Pro Capabilities
| Feature | Free ($0) | Pro ($49 / $129) |
|---|---|---|
| Interactive Federal & State Tax Estimator | ||
| Safe-Harbor Penalty Screening (90%, 100%, 110%) | ||
| 100% On-Device Browser Privacy (No SSN uploaded) | ||
| Paystub PDF & Image OCR Extraction | — | |
| Pre-Tax Deduction & Federal Taxable Wage Parsing | — | |
| Quarterly Pulse Drift Tracking & Checkpoints | — | |
| Multi-W2 Job & Spouse Income Modeling | — | |
| Bonus, RSU & 1099 Self-Employment Tools | — | |
| Multi-Scenario Saving & Side-by-Side Comparison | — | |
| WebCrypto Encrypted Local Backup & File Export | — |
Why Ongoing Planning Beats a One-Time Calculation
Withholdwise vs. The IRS Estimator
A tax estimator gives you a single point-in-time guess. Withholdwise provides continuous paycheck tracking that adapts whenever your income, bonus, or life changes.
| Feature / Capability | IRS Estimator | Withholdwise |
|---|---|---|
| Planning Model | Static, one-time snapshot | Ongoing quarterly drift tracking |
| Data Entry & Setup | ~25 minutes of tedious manual entry | ~30-second private paystub OCR upload |
| Privacy & Security | Financial data sent to IRS servers | 100% On-device browser processing (No SSN uploaded) |
| Late-Year Paycheck Shock | Silent — leaves you vulnerable to November surprises | Proactive drift alerts & checkpoint monitoring |
| Scenario Testing | Reset & re-enter all data from scratch | Save, compare, & clone multi-W2, bonus, & 1099 models |
| Safe-Harbor Protection | Basic withholding total | 90%, 100%, and 110% safe-harbor penalty screening |
Bottom Line: The IRS Estimator requires you to spend 25+ minutes gathering tax documents for a static baseline. Withholdwise allows you to upload a paystub in seconds, track withholding drift quarterly, and save hundreds in avoided underpayment penalties.