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If you’re an employee about to be subject to WHT and you’re not sure what to expect, there are several factors to bear in mind.  ",[990],{"type":129,"attrs":991},{"color":12},{"type":18,"content":993},[994],{"text":995,"type":22,"marks":996},"The amount withheld from your pay will be dependent on the following: ",[997],{"type":129,"attrs":998},{"color":12},{"type":874,"content":1000},[1001,1010,1019,1028,1037,1046],{"type":877,"content":1002},[1003],{"type":18,"content":1004},[1005],{"text":1006,"type":22,"marks":1007},"The amount you earned that month ",[1008],{"type":129,"attrs":1009},{"color":12},{"type":877,"content":1011},[1012],{"type":18,"content":1013},[1014],{"text":1015,"type":22,"marks":1016},"The details of your filing status ",[1017],{"type":129,"attrs":1018},{"color":12},{"type":877,"content":1020},[1021],{"type":18,"content":1022},[1023],{"text":1024,"type":22,"marks":1025},"Any withholding allowances you’re claiming ",[1026],{"type":129,"attrs":1027},{"color":12},{"type":877,"content":1029},[1030],{"type":18,"content":1031},[1032],{"text":1033,"type":22,"marks":1034},"Whether you’ve requested that any additional income be withheld ",[1035],{"type":129,"attrs":1036},{"color":12},{"type":877,"content":1038},[1039],{"type":18,"content":1040},[1041],{"text":1042,"type":22,"marks":1043},"Any changes to your circumstances (e.g., marriage or divorce) ",[1044],{"type":129,"attrs":1045},{"color":12},{"type":877,"content":1047},[1048],{"type":18,"content":1049},[1050],{"text":1051,"type":22,"marks":1052},"Any changes to your tax credits and deductions ",[1053],{"type":129,"attrs":1054},{"color":12},{"type":18,"content":1056},[1057,1062,1070],{"text":1058,"type":22,"marks":1059},"For Social Security, employees will be taxed ",[1060],{"type":129,"attrs":1061},{"color":12},{"text":1063,"type":22,"marks":1064},"6.2 percent",[1065,1068],{"type":31,"attrs":1066},{"href":1067,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.adp.com/resources/articles-and-insights/articles/e/employer-payroll-taxes-what-they-are-and-how-they-work.aspx",{"type":129,"attrs":1069},{"color":34},{"text":1071,"type":22,"marks":1072}," up to a limit of $160,200 (with employers matching this for a total tax amount of 12.4 percent).  ",[1073],{"type":129,"attrs":1074},{"color":34},{"type":18,"content":1076},[1077],{"text":1078,"type":22,"marks":1079},"For Medicare, employees will be taxed 1.45 percent with no limit (again matched by employers for a total tax amount of 2.9 percent). Employees earning over $200,000 annually may also be charged an additional unmatched 0.9 percent for Medicare. ",[1080],{"type":129,"attrs":1081},{"color":12},{"type":764,"attrs":1083,"content":1084},{"level":766},[1085,1091],{"text":1086,"type":22,"marks":1087},"Understanding the different types of withholding taxes ",[1088,1089],{"type":38},{"type":129,"attrs":1090},{"color":12},{"text":775,"type":22,"marks":1092},[1093],{"type":129,"attrs":1094},{"color":12},{"type":18,"content":1096},[1097],{"text":1098,"type":22,"marks":1099},"Beyond the distinction between federal withholding tax and state withholding tax, there are a few different types of withholding taxes that you should be aware of: ",[1100],{"type":129,"attrs":1101},{"color":12},{"type":1103,"attrs":1104,"content":1107},"ordered_list",{"order":1105},{"order":1106},1,[1108,1135,1150],{"type":877,"content":1109},[1110],{"type":18,"content":1111},[1112,1118,1123,1130],{"text":1113,"type":22,"marks":1114},"US resident withholding tax – ",[1115,1116],{"type":38},{"type":129,"attrs":1117},{"color":12},{"text":1119,"type":22,"marks":1120},"this is the most commonly discussed withholding tax. Every employer in America must collect at least",[1121],{"type":129,"attrs":1122},{"color":12},{"text":1124,"type":22,"marks":1125}," ",[1126,1128],{"type":1127},"italic",{"type":129,"attrs":1129},{"color":12},{"text":1131,"type":22,"marks":1132},"the federal rate of this tax on behalf of their employees if they are US residents. ",[1133],{"type":129,"attrs":1134},{"color":12},{"type":877,"content":1136},[1137],{"type":18,"content":1138},[1139,1145],{"text":1140,"type":22,"marks":1141},"Non-resident withholding tax – ",[1142,1143],{"type":38},{"type":129,"attrs":1144},{"color":12},{"text":1146,"type":22,"marks":1147},"this is the other form of withholding tax charged (often at a higher rate) against non-resident people working and earning in the US. If you fit into this category, you must file Form 1040NR if you’ve done business within the US in the last year. ",[1148],{"type":129,"attrs":1149},{"color":12},{"type":877,"content":1151},[1152],{"type":18,"content":1153},[1154,1160],{"text":1155,"type":22,"marks":1156},"Estimated taxes for self-employed professionals, independent contractors, investors, etc. – ",[1157,1158],{"type":38},{"type":129,"attrs":1159},{"color":12},{"text":1161,"type":22,"marks":1162},"though not strictly WHT, this is the equivalent for self-employed people. Since they don’t have an employer to withhold their taxes appropriately, they must pay estimated taxes every quarter, then make up the difference in either direction during tax season.  ",[1163],{"type":129,"attrs":1164},{"color":12},{"type":764,"attrs":1166,"content":1167},{"level":766},[1168,1174],{"text":1169,"type":22,"marks":1170},"How to calculate your withholding tax ",[1171,1172],{"type":38},{"type":129,"attrs":1173},{"color":12},{"text":775,"type":22,"marks":1175},[1176],{"type":129,"attrs":1177},{"color":12},{"type":18,"content":1179},[1180],{"text":1181,"type":22,"marks":1182},"If you know how much tax should ideally be withheld from you over a tax year, you’re in the best possible place to accurately fill out Form W-4 and prevent yourself from paying either too much or too little income tax. But how do you figure out how much tax you need to pay?  ",[1183],{"type":129,"attrs":1184},{"color":12},{"type":18,"content":1186},[1187,1192,1200],{"text":1188,"type":22,"marks":1189},"Thankfully, it should be fairly simple to get a good idea. The IRS website hosts a federal tax ",[1190],{"type":129,"attrs":1191},{"color":12},{"text":1193,"type":22,"marks":1194},"withholding estimator",[1195,1198],{"type":31,"attrs":1196},{"href":1197,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://apps.irs.gov/app/tax-withholding-estimator/adjustments/",{"type":129,"attrs":1199},{"color":34},{"text":1201,"type":22,"marks":1202}," that assesses: ",[1203],{"type":129,"attrs":1204},{"color":34},{"type":874,"content":1206},[1207],{"type":877,"content":1208},[1209],{"type":18,"content":1210},[1211,1217],{"text":1212,"type":22,"marks":1213},"Your filing status –",[1214,1215],{"type":38},{"type":129,"attrs":1216},{"color":12},{"text":1218,"type":22,"marks":1219}," are you Single, Married Filing Jointly, Married Filing Separately, a Head of Household or a Qualifying Widow/Widower? ",[1220],{"type":129,"attrs":1221},{"color":12},{"type":874,"content":1223},[1224,1239],{"type":877,"content":1225},[1226],{"type":18,"content":1227},[1228,1234],{"text":1229,"type":22,"marks":1230},"Your income and withholding – ",[1231,1232],{"type":38},{"type":129,"attrs":1233},{"color":12},{"text":1235,"type":22,"marks":1236},"what are your sources of income? Do you need to withhold anything extra due to other income sources? ",[1237],{"type":129,"attrs":1238},{"color":12},{"type":877,"content":1240},[1241],{"type":18,"content":1242},[1243,1249],{"text":1244,"type":22,"marks":1245},"Your income adjustments, deductions and tax credits – ",[1246,1247],{"type":38},{"type":129,"attrs":1248},{"color":12},{"text":1250,"type":22,"marks":1251},"are there any details you need to add that will reduce or increase your tax liability? ",[1252],{"type":129,"attrs":1253},{"color":12},{"type":18,"content":1255},[1256],{"text":1257,"type":22,"marks":1258},"You’ll then need to account for possible state-level withholding responsibilities to get a truly accurate picture of what you will owe. ",[1259],{"type":129,"attrs":1260},{"color":12},{"type":18,"content":1262},[1263],{"text":1264,"type":22,"marks":1265},"In most cases, if you’ve filled out Form W-4 correctly and been honest about your tax liabilities, you’re far more likely to end up well-balanced during tax season than you are to need to make an additional payment.  ",[1266],{"type":129,"attrs":1267},{"color":12},{"type":18,"content":1269},[1270,1276],{"text":1271,"type":22,"marks":1272},"If you’re looking for tax advice and guidance on how much of your salary will be withheld, or if you’re self-employed and hoping for help with your estimated taxes, a financial advisor can help. ",[1273,1274],{"type":38},{"type":129,"attrs":1275},{"color":12},{"text":775,"type":22,"marks":1277},[1278],{"type":129,"attrs":1279},{"color":12},{"type":18,"content":1281},[1282,1290],{"text":1283,"type":22,"marks":1284},"Find you’re a financial advisor to meet all of your needs with ",[1285,1287,1288],{"type":31,"attrs":1286},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},{"type":38},{"type":129,"attrs":1289},{"color":12},{"text":1291,"type":22,"marks":1292},"Unbiased",[1293,1295,1296],{"type":31,"attrs":1294},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},{"type":38},{"type":129,"attrs":1297},{"color":34},"article-rich-text",[1300],{"_uid":1301,"image":1302,"title":1305,"component":1319,"breadcrumbs":558},"fd88d1a4-b52a-4f15-9103-36ed6fb311b2",{"alt":12,"name":12,"title":12,"filename":1303,"copyright":12,"fieldtype":1304},"https://a.storyblok.com/f/185166/900x450/2485441edf/what-is-withholding-tax-and-how-does-it-work.jpg","asset",{"type":15,"content":1306},[1307],{"type":18,"content":1308},[1309,1311,1317],{"text":1310,"type":22},"What is ",{"text":1312,"type":22,"marks":1313},"withholding tax",[1314],{"type":25,"attrs":1315},{"class":1316},"primary-gradient",{"text":1318,"type":22},", and how does it work?","app-hero",{"name":1321,"created_at":1322,"published_at":1323,"updated_at":1324,"id":1325,"uuid":1326,"content":1327,"slug":1337,"full_slug":1338,"sort_by_date":34,"position":1339,"tag_list":1340,"is_startpage":543,"parent_id":1341,"meta_data":34,"group_id":1342,"first_published_at":1343,"release_id":34,"lang":730,"path":34,"alternates":1344,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1328,"_uid":1329,"name":1321,"image":1330,"component":1333,"education":1334,"expertise":1335,"description":1336},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1331,"alt":12,"name":12,"focus":12,"title":12,"filename":1332,"copyright":12,"fieldtype":1304,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1346],{"_uid":1347,"body":1348,"title":1361,"component":1362},"1becdbf5-73a8-4059-b92f-3ea6dac0c208",[1349,1353,1357],{"_uid":1350,"href":1351,"text":1352,"component":542,"openInNewWindow":543},"ab457cd9-a297-4920-831c-e8cb8daaa13a","https://www.unbiased.com/discover/taxes/top-five-free-tax-software-programs","Tax software",{"_uid":1354,"href":1355,"text":1356,"component":542,"openInNewWindow":543},"9e91c700-3c7d-4d7c-bea4-347b6ddf1ac3","https://www.unbiased.com/discover/taxes/how-to-avoid-estate-tax","How to avoid estate tax",{"_uid":1358,"href":1359,"text":1360,"component":542,"openInNewWindow":543},"43bcec36-9687-4e8e-94fc-5f6411edf91a","https://www.unbiased.com/discover/taxes/Filing-taxes-Single-vs-married-tax-rate","Single vs married tax rate","Related to this article","app-links-list",{"title":750,"plugin":1364,"og_image":12,"og_title":12,"description":1365,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"seo_metatags","Whether you’re new to withholding tax or simply hoping to understand better how the WHT system functions, this article explores the ins and outs of withholding, from how the system works to how you can calculate your likely withholding tax amount. ","app-article",[1368],"bdb105df-5222-40ad-91d8-d31ce876e7d9","In the US, employees are subject to withholding tax, and employers are legally responsible for collecting this tax and passing it on to the IRS.",[],"what-is-withholding-tax-and-how-does-it-work","discover/taxes/what-is-withholding-tax-and-how-does-it-work",-770,[],224651381,"b28fb393-29e4-40a5-a7a4-303427871b22","2023-07-26T14:09:17.416Z",[],{"left":727,"top":727,"width":1380,"height":1380,"rotate":727,"vFlip":543,"hFlip":543,"body":1381},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1383,1386,1387],{"title":1384,"exact":558,"href":1385},"Home","https://www.unbiased.com",{"title":453,"exact":558,"to":466,"disabled":543},{"title":750,"exact":558,"to":1388,"disabled":558},"/discover/taxes/what-is-withholding-tax-and-how-does-it-work",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1390},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777454047114]