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In that case then go to the page Extra withholding and add a Flat amount you want to withheld from each paycheck. for example if the amount of tax owe for prior year tax was $5,000 Divide that amount by 26 paychecks for the year and add the result ($192.3) to the extra withholding pages. 

You have a couple of items to consider when completing the W4. You have multiple jobs and pension income. Since you do not mention self-employment, Step 2(a) of the W4 does not apply to you. For your full-time income, you may use Step 2(b) or Step 2(c) for withholding calculations for your employer.    If you have one job each that pays relatively the same amount, you can check the box in Step 2(c) and submit the W4s to each employer.   If you and your spouse have multiple jobs or one job pays more than half of the other job, fill out the worksheet for Step 2(b) for only one of the W4s. Enter the results for that Step 2(b) worksheet on Line 4(c).   For either choice in Step 2, be sure to complete Step 3 for only one W4s you complete for your employer If you have dependents. You can submit an Arizona Form A-4P to start withholdings from your husband’s pension income. The Form AZ-4P offers numerous choices for percentage of pension income to be withheld. Arizona has a flat tax rate of 2.5%, but you can opt to have a higher percentage withheld. You submit the Form AZ-4P to the payor of your pension or the administrator of the pension fund. Do not send the form to the Arizona Department of Revenue. You can access the From AZ-4P here: https://www.psprs.com/wp-content/uploads/2025/01/Arizona_Form_2025_A-4P.pdf

Best recommendation for married taxpayers that both work is to update the highest earner's Form W-4 to reflect the second job and ensure proper withholdings based on the actual tax brackets for your income level. You can complete this by checking the Box on Line 2c of the Form W-4 and reviewing Line 4c including the Multiple Jobs Worksheet in the instructions to Form W-4. For married taxpayers, coordinating the withholdings is essential, given the potential combined income to affect tax brackets and tax liabilities. The goal is to withhold enough to match your tax liability, avoiding both a large tax bill and overpaying, which effectively gives the government an interest-free loan. Key Steps to Adjust Withholdings To ensure you and your spouse do not owe money each year:   Understand Your Tax Situation Combined Income and Filing Status: Most Couples benefit from filing jointly, which doubles certain deductions. However, calculate both joint and separate filing options to determine the most advantageous approach.  Deductions and Credits: Account for eligible deductions (e.g. mortgage interest, charitable contributions) and credits (e.g. Child Tax Credit) that reduce taxable income.  Use the IRS Tax Withholding Estimator. Complete and Update Form W-4 Submit New Forms to include the Multiple Jobs Worksheet: If both spouses work, use the Multiple Jobs Worksheet to coordinate withholdings. This prevents under-withholding, which can lead to a tax bill. For example, if both earn similar amounts, check the box on Line 2c of Form W-4 to indicate this, ensuring proper withholding.  Additional Withholding: Use Line 4c on Form W-4 to request extra withholding if you anticipate owing more due to non-wage income or other factors. This can help cover potential shortfalls.  Review and Adjust Periodically Annual Review: Check withholdings at least once a year, especially after major life events. The IRS recommends a "Paycheck Checkup" to ensure withholdings align with your tax liability. Monitor Paystubs: Regularly review paystubs to confirm correct amount is being withheld.  Additional Resources IRS Publication 505: Provides detailed worksheets and examples for tax withholdings and estimated tax. Form W-4 with Instructions plus Multiple Jobs Worksheet. Have an amazing day! Zachary W (CPA 9+ years) I would love a thumbs up + Mark the post that answers your question by clicking on "Mark as Best Answer"

The most accurate way to determine the correct withholding for your specific situation is to use the IRS Tax Withholding Estimator: IRS Tax Withholding Estimator. This tool will provide a personalized recommendation based on your income, deductions, credits, and filing status. Since you and your spouse usually owe several thousand dollars, using the estimator is especially important to fine-tune your W-4s.   Federal withholding thresholds depend on your filing status, dependents, and the information provided on your W-4 form. For example, a single filer with no dependents will have different withholding needs compared to a married couple filing jointly.   Adjust your W4:  Claim Dependents and Other Credits: Ensure you claim the right number of dependents on your W-4 form. More dependents/credits mean less tax withheld, while fewer credits mean more tax withheld. Specify Additional Withholding: If you find that your current withholding is insufficient, you can specify an additional amount to be withheld on line 4(c) of the W-4 form.   Review Your Tax Situation Regularly: Major life changes like marriage, childbirth, or changes in income can affect your tax liability. Review and update your W-4 form annually or after any significant changes.  https://turbotax.intuit.com/tax-tools/calculators/w4/    Please see https://turbotax.intuit.com/tax-tips/irs-tax-forms/what-is-a-w-4-form/L2NapDzX2 for more info.    @MonicaBees Thanks for the question!!

When both spouses work full time, it can be a recipe for under-withholding (filing jointly or married filing separately), if you aren't paying close attention (particularly to Step 2 of the Form W-4).  It can get particularly tricky (and may require some calculation) if both spouses work and have different income levels.  Here's a great article that explains significant changes to the W-4 that happened with the 2017 TCJA and how you can use the form to get to more accurate withholding. The good news is that TurboTax gives you a calculator to help you get this right!  Check it out and let us know if you still have questions. One thing to keep in mind is that the changes you are making will only impact the rest of the year. If you have been under-withheld for much of the year and want to get caught up, you can always make an estimated tax payment.  Here's the IRS page where you can do that. Hope this helps. **Please cheer or say thanks by clicking the thumb icon in a post **Mark the post that answers your question by clicking on "Mark as Best Answer" Regards, Karen TurboTax Expert  

You can use the IRS Tax Withholding Estimator to estimate the extra amount you should withhold.  Divide the amount among your remaining pay periods for the current year and note that amount on Form W-4 Line 4(c).  It will add to your Federal withholdings on your W-2.  If you have too much withheld, it will be refunded on your tax return.  You can make adjustments during the year if your income changes.   **Say "Thanks" by clicking the thumb icon in a post **Mark the post that answers your question by clicking on "Mark as Best Answer"

@Plant Man wrote: There are a few months of labor on top of the soil, pot, and seed that are clamed as expenses from the spring planting. I expense as I go. So, there is a large difference between the market value that it is being used as, and the materials cost to create. This would not be considered a donation apart from expensed materials? You have nothing to deduct, unless you report a sale, then you can deduct the selling price (which would be a wash).  You already deducted the cost of inventory and supplies, so your cost basis is zero.  The cost of labor is never a deductible charitable expense, and you already deducted the labor as a business expense anyway.  Your tax "reduction" comes from the fact that you have deducted expenses, but have no offsetting revenue, so you have lower taxable income.   See the section on Inventory in publication 526. https://www.irs.gov/pub/irs-pdf/p526.pdf

You can use the IRS Tax Withholding Estimator to estimate the extra amount you should withhold.  Divide the amount among your remaining pay periods for the current year and note that amount on Form W-4 Line 4(c).  It will add to your Federal withholdings on your W-2.  If you have too much withheld, it will be refunded on your tax return.  You can make adjustments during the year if your income changes.   **Say "Thanks" by clicking the thumb icon in a post **Mark the post that answers your question by clicking on "Mark as Best Answer"

If you have not completed a new W-4 tax form in the past couple of years, now is good time to do so. Making changes to both of your forms to adjust the federal taxes withheld is a helpful strategy. When completing the W-4, complete Step 2 of the Form W-4 instructions to account for a working spouse.  Underwithholding can occur if both spouses enter Married Filing Joint filing status in Step 1 and fail to complete Step 2.   Enter '0' for tax credits and you can also enter an additional amount to be withheld per pay period in Step 4(c) for additional withholdings.   Using the estimate you have given of owing 4K that past two years,  you can determine the additional amount needed by diving it by the number of pay periods you are paid. For example, if you are paid Bi-Weekly (26 pay periods) and you want to have an additional $4K withheld per year, you can enter $154 ($4,000 / 26 - Rounded up) on line 4(c) of the W-4 form.  You can each make these changes to your W-4 so you are able to increase the federal withholdings based on your income.   Also, make sure that you are increasing your Health Savings Account (HSA) and Retirement Contributions to reduce you taxable income when possible.  

Since you have not been able to estimate in the past based upon your answer, my suggestion would be to take the average of the investment gains over a period of your choosing and then pay the investment taxes associated with this average over the course of the year plus some percentage extra.    You can also look at the monthly dividends, interest, and capital gains each month and then attempt to estimate the investment income each month, though this would be time consuming.   Tax efficient investing for your and your advisor may mean different things as well.  You may want to have a conversation with the advisor of their efforts to limit the income items associated with your investments.   All the best,   Marc T. TurboTax Live  Expert 28 Years of Experience Helping Clients

When both spouses work full time, it can be a recipe for under-withholding, if you aren't paying close attention (particularly to Step 2 of the Form W-4).  It can get particularly tricky (and may require some calculation) if both spouses work and have different income levels.  Here's a great article that explains significant changes to the W-4 that happened with the 2017 TCJA and how you can use the form to get to more accurate withholding. The good news is that TurboTax gives you a calculator to help you get this right!  Check it out and let us know if you still have questions. One thing to keep in mind is that the changes you are making will only impact the rest of the year. If you have been under-withheld for much of the year and want to get caught up, you can always make an estimated tax payment.  Here's the IRS page where you can do that. Hope this helps. **Please cheer or say thanks by clicking the thumb icon in a post **Mark the post that answers your question by clicking on "Mark as Best Answer" Regards, Karen TurboTax Expert      

Hopefully you have a good overall picture of what your annual retirement distributions will amount to.  This is a good starting point to determine what percentage withholding to do based on your projected tax bracket.  We have a great tool to help you estimate what your withholding needs to be.  You'll fill out a W-4P and be sure to remember that any Roth distributions are generally non-taxable.  If your total income exceeds certain thresholds, it my cause a portion of your social security to be taxable.  You could also consider doing withholding on your social security in addition to the retirement distributions. In general, once you arrive at your estimated annual income and determine your tax bracket, you can estimate the percentage of withholding needed and then fill out the W-4P forms for the various retirement accounts with that percentage in mind.  It will vary for the states, depending on which states you are referring to.  Each state has their own tax brackets. Thank you for joining us today @Life49Good, and hope this helps! Cindy

Thank you for your great question.  Here is what I tell everyone.  If you are owing money, the government(s) do not care if it comes from one source of income or multiple so sometimes you can just pick one source and have all the money come from that one source.  For example, if you have multiple employers or retirement accounts maybe pick only the ones you want withholdings to come out of for federal and state. (some states do not have income taxes so disregard if you are in one of those states) Then look at these links to learn what a W4 looks like and how to fill one out. If you have a retirment account, then you might use a W-4 P but there are basically the same.   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.   Once you have filled out the W-4, then in a few months maybe use the links below to do a tax estimator.  This will tell you how much you might owe after making the changes.  You can do a tax estimator several times per year.  If you have changed your withholdings mid year, you will want to see that you keep owing less as the year goes on.   IRS Tax estimator This is a tax estimator that will time out so enter and print findings all at one sitting. Tax caster  This is another tax estimator that will time out so enter and print findings all at one sitting.   I hope you find this information useful.   For state withholdings, it is hard to find a tax estimator for each state but they will have a state withholdings form that you can fill out.     Katie S

You can use the IRS Tax Withholding Estimator to estimate the extra amount you should withhold.  Divide the amount among your remaining pay periods for the current year and note that amount on Form W-4 Line 4(c).  It will add to your Federal withholdings on your W-2.  If you have too much withheld, it will be refunded on your tax return. 

I’m not clear on how to update my W-4. I want my employer to remove the maximum amount of tax from my pay so I don’t have to pay taxes when I file. And I can get a refund. Up until this change with the W-4, it meant putting zero but now that doesn’t even work. So what should I put under federal and state? My employer’s form only asks for Qualifying dependent amount USD under Fed. And # of allowances under State.  Is $4000 for dependents correct? What is the difference between putting 0,1, or 2 for Total # of allowances?  I appreciate your input.

The (new) W-4 has a place where you can withhold additional amounts per paycheck.  For example, if you owed money for 2024 (let's say $1,200), then you can add $50 as a manual add to your W-4 if you are paid twice a month which will then withhold (full year) an additional $1,200.  When you get a raise, it is a good time to update that additional amount.   The IRS also has a free W-4 calculator that helps you determine what additional amount may be needed in your situation.  It also takes into account income that does not have withholding (such as investment income, rental income, etc).  Here's that tool:  https://www.irs.gov/individuals/tax-withholding-estimator   Thanks for asking your question!