Good job on thinking ahead! Maximizing your contributions to a retirement plan will help reduce your taxable income therefore increase a refund on both federal and state tax returns.
Step 1. - You should use this to estimate your tax liability (can be used for 2024 also):
https://turbotax.intuit.com/tax-tools/calculators/taxcaster/
Step 2. - Then reviewing your W-4 is also a great idea:
https://turbotax.intuit.com/tax-tools/calculators/w4/
Make sure the witholding in Step 2 covers your tax liability from Step 1. The above tool is for federal only. State W-4s need to be adjusted separately. Once you have made adjustments, review your pay stubs to make sure the changes have gone into effect. This will make sure that your tax liability for 2024 is covered (or more).
