I would like to change my Federal Tax to zero this year, Married filing Jointly. My husband is disabled on SSI and still receiving LTD from his work. Is this a good idea?

[rmaleski]

We filed 1 exemption, Married Jointly last year (2023) and received a refund.  We just want to get more money back at the end of the year.

[NCperson]

that is not the way the W-4's work anymore.  The whole idea of exemptions doesn't exist on the W-4 form. 

if you want more withheld, so that the refund is greater at the end of the year, simply check the 'single' box on the form and that is all.  Even you want even more withheld, place the amount you want withheld on line 4c.

https://www.irs.gov/pub/irs-pdf/fw4.pdf

is it a good idea to withhold money as a form of forced savings? personally, no, the IRS doesn't pay interest and the banks do!