Thank you for your response. While I understand that I can elect to have more withheld and/or claim something different on the w4, I guess the question is, why claiming zero and selecting box C for similar income is so far off from what needs to be withheld for federal taxes? It doesn't make sense to me. While our income has slowly increased over the years, we went from a refund of $2000 in 2017, to owing $140 in 2018, owing $1500 in 2019 and now $2500 for 2020.
