W-4 Assistant

2026 OBBBA Compliant

Complete your W-4 form with confidence. Get accurate withholding calculations with 2026 tax law updates, including the One Big Beautiful Bill Act (OBBBA) features.

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Calculation References & Sources
Our W-4 calculations are based on official IRS publications and 2026 tax law

2026 OBBBA (One Big Beautiful Bill Act) Provisions

  • Tips Deduction: Up to $25,000 in tip income excluded from federal withholding (OBBBA Section 201)
  • Overtime Premium Deduction: Up to $12,500 deduction for overtime premium pay (the "half" in time-and-a-half) (OBBBA Section 202)
  • Car Loan Interest Deduction: Up to $10,000 deduction for interest on US-assembled passenger vehicles (OBBBA Section 203)
  • Enhanced Senior Deduction: Additional $6,000 personal exemption for taxpayers 65 and older, in addition to standard deduction (OBBBA Section 204)
  • Child Tax Credit: Increased to $2,200 per qualifying child for tax year 2026 (OBBBA Section 301)

2026 Tax Year Information

  • Standard Deductions (2026): Single: $16,100 | Married Joint: $32,200 | Head of Household: $24,175 | Married Separate: $16,100
  • Social Security Wage Base: $168,600 (2026) - 6.2% tax rate
  • Medicare Tax: 1.45% on all wages, plus 0.9% additional Medicare tax on wages over $200,000 (single) or $250,000 (married filing jointly)
  • Self-Employment Tax: 15.3% (12.4% Social Security + 2.9% Medicare) on net earnings above $400
  • Federal Tax Brackets: Based on 2026 inflation-adjusted brackets from IRS Revenue Procedure 2025-XX