Two Jobs W-4 Checker
Last checked October 16, 2026 · How we calculate · Runs in your browser; nothing you type is sent.
Why two jobs often come up short
Each employer withholds as if its job were your only one, so each gives you the full standard deduction and starts you in the lowest tax brackets. Together, too little is withheld. The W-4 has two fixes: check the box in Step 2 on both W-4s, or add an extra amount per paycheck in Step 4(c) on one of them.
How we work it out
- Withholding now: the IRS percentage method (Pub 15-T, 2026) for each job on its own, as a year.
- Withholding needed: the same method on your combined yearly pay, as if it were one job.
- The gap, divided by the number of paychecks at your higher-paying job, is the Step 4(c) amount.
This is the same idea as the W-4 Multiple Jobs Worksheet. It covers federal income tax only. For other income, credits or deductions, use the IRS Tax Withholding Estimator.
Sources
- Form W-4 (2026) and instructions: Step 2 and Step 4(c).
- IRS Pub 15-T (2026): percentage method tables, standard and Step 2 checkbox.
- IRS Tax Withholding Estimator.
Frequently asked questions
What do I put on Step 4(c) with two jobs?
The extra federal tax per paycheck needed to cover the gap. This checker shows the amount for your higher-paying job.
Should I check Step 2 instead?
Checking Step 2 on both W-4s is simple and works best when the two jobs pay about the same. If one job pays much more, Step 4(c) on that job is usually more accurate.
Estimates of what an employer would withhold under the published 2026 rules. Not tax advice, and not your final tax bill.
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