@jserbo wrote:
I meant to say that I have 0 allowances on the W4.
Modern W-4s don't have "allowances" any more. Unless your employer is using the old W-4, the new ones are very different. On the new ones, make sure you check the box in Step 2c (if your spouse also works, both of you should check that box).
https://www.irs.gov/pub/irs-pdf/fw4.pdf
If you owe over $10,000 a year, you should have about $200 more per week taken out of your paycheck for Federal Income Tax Withholding (if you are paid every two weeks, then $400 per paycheck). After submitting your new W-4 to your employer, you should verify the correct additional amount is being taken out. However, it is already almost the middle of the year. If you want to 'break even' for 2025, you would need to take out $400 more per week (if you are paid every two weeks, $800 per paycheck). But then you would need to be sure to change it back in January 2026.
