W-4 with holding

Forum|Forum|1 month ago
May 13, 2026
1 reply
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I wanted to see how I can set up my husband & I’s taxes to where less is taken out each pay period to maximize our money now & then get less of a tax return later while not owing anything. We have no dependents and both have our w-4 filled out as married.

Ask the Experts - W4 - May 2026

dev145

Level 6

To decrease your tax withholding and increase your take-home pay, you can adjust your Form W-4 in a few ways:

Step 4(b) (Deductions): Enter a specific dollar amount to indicate that you have more deductions than the standard amount. This informs your employer to withhold less tax from each paycheck. the IRS provides a withholding estimator to help you determine the appropriate settings for your situation:

https://www.irs.gov/individuals/tax-withholding-estimator

Also check w4 to see if you checked "Two jobs" box. This option instructs your employer to apply tax brackets to only half of the standard deduction typically allowed for a married couple.

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TurboTax Expert