✓ Updated for 2025–2026 · Free

Fill out your W-4 the easy way

Answer a few simple questions. We will tell you exactly what to write on every line of your IRS W-4 form — in plain English, in under 2 minutes.

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What is your tax filing status?

This matches the box you will check on Step 1(c) of the W-4.

Do you have more than one job, or does your spouse also work?

Answer "yes" if you work two jobs, or if you are married filing jointly and your spouse earns income.

Multi-income households need a different tool

When more than one person in your household earns income, the W-4 math gets complicated — withholding for two jobs can easily be too low if each employer thinks they are your only job.

Use the free IRS Tax Withholding Estimator:

Open IRS Estimator →

Our simple tool is designed for single-earner households. We may add multi-job support in the future.

Can anyone claim you as a dependent on their tax return?

Most commonly: you are a student or young adult and your parents claim you.

Did you owe federal income tax last year?

This is about federal income tax only — not Social Security or Medicare. If you got all the federal income tax you paid back as a refund, the answer is "No, I owed nothing."

How many qualifying children under 17 do you have?

Count children who live with you, are under 17 at the end of the year, and who you claim as dependents. Each counts as $2,000 on the W-4.

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How many other dependents do you have?

Children 17 or older, elderly parents you support, or other qualifying relatives. Each counts as $500 on the W-4.

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What do you prefer at tax time?

This is the old "claim 0 vs 1" question in plain English.

Under 2 minutes

Quick questions in plain English — no tax jargon.

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Mobile-first

Built for your phone. Fill out your W-4 while you are at the kitchen table.

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Private

Nothing you enter is saved, tracked, or sent anywhere.

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What the W-4 actually does

Your IRS Form W-4 tells your employer how much federal income tax to withhold from every paycheck. Fill it out well, and your withholding matches what you actually owe — meaning no nasty bill in April and no giant interest-free loan to the government.

Since 2020, the W-4 no longer uses "allowance numbers" (0, 1, 2…). Instead, it asks for dollar amounts: how much you earn from other jobs, how many dependents you have, and whether you want any extra withheld. The new form is more accurate — but the instructions are famously confusing. That is why this site exists.

Quick answers to the top W-4 questions

Should I claim 0 or 1 on my W-4?
The modern W-4 does not use "0" or "1" anymore. But the mental model still works: leaving Step 3 blank and adding extra withholding in Step 4(c) is the new equivalent of "claiming 0" (biggest refund). Leaving everything blank is closer to "claiming 1" (balanced). Full explanation here »
What does "Exempt" mean on the W-4?
If you had zero federal income tax liability last year and expect zero this year (for example, a student earning under the standard deduction), you can write "Exempt" and have no federal income tax withheld. You must renew exempt status by February 15 each year. Read the full exempt rules »
How do I fill out Step 3 (dependents)?
Multiply qualifying children under 17 by $2,000, multiply other dependents by $500, and write the total on Step 3. Our tool does the math for you. See examples »
When should I update my W-4?
Any time your life changes: new job, second job, marriage, divorce, new baby, kid turns 17, spouse stops or starts working, big raise, or big refund/bill last year. You can submit a new W-4 any time — your employer must honor it within 30 days.