Just like how Goldilocks had to try the porridge that was too hot and then the one that was too cold before she found one that was just right, you need to find the amount of tax withholding that’s not too much or too little for your circumstances. No one wants a nasty surprise when Tax Day comes, and proper withholding can help you manage these surprises.
You should especially check your withholding after a significant life change, such as marriage, divorce, the birth of a child, a move, or changes in tax law.
How much should you withhold? The Tax Withholding Estimator on the IRS website can help determine if you have too much income tax withheld and how to adjust it.
This information is not a substitute for individualized tax advice. Please discuss your specific tax issues with a qualified tax professional.
Tip adapted from IRS8
Footnotes and Sources
- IRS.gov, May 16, 2025
