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Thank you sfor your kindness and response. I have already added on an extra amount withheld from each check so that we will hopefully be even or over the amount we would owe. I just don't understand how checking 1 little box would make such a big impact on the amount the government withholds. It doesn't seem right to me that I claim 0 exemptions, therefore the maximum amount should be withheld, and then somehow that isn't enough. I feel it's silly to have to calculate how much MORE needs to be taken out of my already dwindled paycheck because the government doesn't just calculate that better and take what they need.  

This is very much a learning moment because I had no idea how much one could be screwed by the government when doing nothing at all except get married. This is why taxes should be taught in schools.