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Updating Your W-4

A W-4 update is the cheapest tax move most people never make. A large refund means you lent the IRS money interest-free for a year.

Katie Gorles
Written by
Katie Gorles
Updated April 22, 2026

When to update

Marriage, divorce, new baby, new job, spouse starts or stops working, large side income, or any year where your refund or balance-due exceeded $1,000 in either direction.

The IRS withholding estimator

The IRS's tax withholding estimator is genuinely useful. It asks about income, withholding year-to-date, and other tax situations, then recommends a new W-4 setting.

Have a specific situation?
Call the office and a human answers.

Common questions

What about my state W-4?
Most states have their own state equivalent (Florida has no state income tax, so nothing). Update both if applicable.

Related

A Conversation, Not A Form

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