W4 recommendation

nkbents — Wed, 28 May 2025 16:09:48 GMT

What's your W4 recommendation when both spouses work full time? We ended up paying in this year and I don't like it. We have 3 children but only claim one who is still a college student. What can we do so we do not owe taxes?

Re: W4 recommendation

KarenL4 — Wed, 28 May 2025 16:40:16 GMT

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.

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Regards,

Karen

TurboTax Expert

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W4 recommendation

Re: W4 recommendation