JC TAX SERVICES · Falling Waters, WV
Make your paycheck withholding more intentional.
Use your latest pay stub to see whether your federal withholding may deserve a closer look. Results update as you type and use simplified 2026 federal rules.
1About you
2Income & jobs
Use the federal income tax line on your pay stub, not total deductions, Social Security, Medicare, or state withholding. Retired or not working? Enter 0.
Add another job when you or your spouse has one. Multiple jobs can materially change withholding.
Age 65 or older
Adds the extra standard deduction and the $6,000 senior deduction, which shrinks at higher incomes.
Self-employment / 1099 income
Income minus business expenses
Total paid so far this year
Adds self-employment tax (Social Security and Medicare) and a 20% pass-through deduction estimate.
Bonus pay
On top of your regular pay
Leave blank to assume 22%
Social Security income
Up to 85% can be taxable. We estimate that for you.
Pension / annuity
Retirement account withdrawals
IRA, 401(k), etc. Under 59½? A 10% extra tax may apply (not included).
This estimate is most useful when your pay and withholding have been consistent this year. A recent raise, W-4 change, bonus, or job change can make the result less reliable.
3Pre-tax contributions (yearly)
These come out before income tax, so they lower your tax bill.
4Optional extras
0 = use standard deduction
Disclaimer: This calculator is for general information and education only. It provides estimates based on the information you enter and simplified 2026 federal rules, and it is not tax, legal, or financial advice. It estimates federal income tax only. Results may differ from your actual tax return because of changes during the year, credit phase-outs, the Additional Medicare Tax (0.9% on high earnings), alternative minimum tax, state and local rules, penalties, and other individual circumstances. Tax laws change, and figures may be out of date. Using this tool does not create a client or professional relationship. Please consult a qualified tax professional before changing your W-4 or making tax decisions.
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