How should I reset withholding after a life change in 2025?
Reset withholding after a marriage, baby, move, or job change by estimating your new 2025 or 2026 tax and comparing it to current withholding. Enter updated income, deductions, credits, and pay periods to see a per‑paycheck adjustment that targets your desired refund or balance.
How this calculation works
- Projects annual tax using updated income, deductions, and credits.
- Compares projected tax to year‑to‑date withholding.
- Calculates a per‑paycheck adjustment to reach the target refund.
Common mistakes and caveats
- Life events can have complex tax impacts not fully captured.
- State taxes and credits are not included.
- Results depend on accurate updated income estimates.
FAQ
Should I update my W-4 after major life events?
Often yes. Changes in income, dependents, or filing status can affect withholding.
Last updated & sources
Last updated January 27, 2026.
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