Form W-4 Pages

IRS Federal Tax Withholding Examples

W-4 Form

For Tax Year 2022, find sample IRS Tax Withholding amounts based on filing status, income, and number of dependents. As you can see below, some scenarios do not require federal tax withholding and will not result in you owing taxes. There are some examples where tax withholding is not present and a tax refund is still generated due to refundable tax credits.

Use the paycheck calculator to estimate your personal IRS tax withholding amount and generate your W-4 based on that. Furthermore, we suggest you use the current calendar year 2022 Tax Calculator and estimate your tax refund for your upcoming 2022 Taxes.

W-4 Federal Withholding Examples

Each section below is divided by IRS filing status as this is needed on your W-4. Keep in mind, you can change your filing status on your W-4 for planning purposes as it might increase or decrease your IRS tax withholding amount. However, on your tax return, you must use the correct filing status.

See also: how much do I need to make to file taxes?

The examples below are simple scenarios where a taxpayer can earn $12,000, $40,000, or $60,000 annually and not have to withhold too much money from their paychecks. When you balance your withholding, you get to keep your money during the year without having to wait to get it refunded back to you when you file your taxes. All calculations below are done via our free 2022 Tax Return Calculator.

Single

One Job Yearly Gross Income
Dependents: Age 0-16
Monthly Pay Period IRS Tax Withholding
Estimated Tax Refund
$12,000
0
$0
$341
1
$0
$5,158
2
$0
$6,235
3
$0
$9,911
$40,000
0
$253.38
$0
1
$86.71
$554
2
$0
$2,933
3
$0
$5,704
$60,000
0
$497.33
$0
1
$330.67
$0
2
$164.00
$0
3
$0
$32

Low-income singles with no dependents may be owed a small refund even if they have no dependents. If claiming dependents as a single person, see the head of household table below.

Married Filing Separately

One Job Yearly Gross Income
Dependents: Age 0-16
Monthly Pay Period IRS Tax Withholding
Estimated Tax Refund
$12,000
0
$0
$341
1
$0
$5,158
2
$0
$6,235
3
$0
$9,911
$40,000
0
$253.38
$0
1
$86.71
$554
2
$0
$2,933
3
$0
$5,704
$60,000
0
$497.33
$0
1
$330.67
$0
2
$164.00
$0
3
$0
$32

Married persons who are filing separately from their spouse must use this status; they cannot claim head of household if they are legally married.

Head of Household

One Job Yearly Gross Income
Dependents: Age 0-16
Monthly Pay Period IRS Tax Withholding
Estimated Tax Refund
$12,000
0
$0
$341
1
$0
$5,158
2
$0
$6,235
3
$0
$9,911
$40,000
0
$181.58
$0
1
$14.92
$554
2
$0
$3,795
3
$0
$6,566
$60,000
0
$381.58
$0
1
$214.92
$0
2
$48.25
$0
3
$0
$1,421

The head of household is a unique and beneficial status for single people with one or more dependents. You can only claim this filing status if you claim a dependent and maintain a house for yourself and the dependent(s).

Married Filing Jointly

One Job Yearly Gross Income
Dependents: Age 0-16
Monthly Pay Period IRS Tax Withholding
Estimated Tax Refund
$12,000
0
$0
$560
1
$0
$5,158
2
$0
$6,235
3
$0
$9,911
$40,000
0
$117.50
$0
1
$0
$2,124
2
$0
$5,855
3
$0
$8,536
$60,000
0
$306.75
$0
1
$140.08
$0
2
$0
$319
3
$0
$2,319

As a married person, you and your spouse can combine your income on a joint return which entitles you to higher deductions and potential credits based on your income.

Based on the examples above, you can see that withholding a certain amount during the year allows you to claim more money with each paycheck and still not owe any taxes or be owed a refund when you consider your filing status, dependents, and income. Start your free W-4 now and begin keeping more of your money during the year.

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