The best way to predict if you will owe taxes or not is to do a Tax Estimator.
Here are the two I recommend:
IRS Tax estimator This is a tax estimator that will time out so enter and print findings all at one sitting.
TaxCaster This is another tax estimator that will time out so enter and print findings all at one sitting.
This will give you an idea of what to expect when you do your taxes for 2025.
Then, if you need to change your W4s, you can use these links:
How to fill out a W4 Instructions on how to fill out a W4
W4 calculator Use to help fill out a W4
Form W4 Actual W4. Line 4c is where you would add extra withholdings from each check.
If you make changes to your W4s, you can do as many tax estimators as you like after you have made the changes to see how those withholding changes are making the amount owed or refunded go up or down.
If you keep owing, then sometimes you leave everything the same on the W4 but add extra withholdings to 4c of the form. Let's say you owe $1000 next year after changing your W4s. Then take $1000/ (number of pay periods in the year) and put that amount on 4c. Ex. 1000/52 (paid every week)=19.2 or rounded up to $20 per pay period.
Katie S
For the state, it is hard to find an estimator but you could figure the tax rate for the state and do the estimate yourself. You could also call your state and ask them how they would suggest you figure out an estimate.
Katie S
KatherineS63
