Free Annual Tax Withholding Planner(Google Sheets)
This free template helps you track how much federal tax is being withheld from each paycheck across the year, so you can catch under-withholding before tax season — not after.
Free Template
Annual Tax Withholding Planner
W4Calc.com — 3 tabs, no signup required
Open Withholding Planner →Opens in Google Sheets — free, make a copy to edit
Who This Is For
- 💼People with two jobs or a working spouse — two employers means two withholding calculations, and gaps add up fast.
- 💻Freelancers or side-income earners with 1099 income — no withholding at the source means you need to track it yourself.
- 📬Anyone who got a surprise tax bill last year and wants to prevent it — monthly tracking gives you time to adjust.
What's Inside the Template
Tab 1 — Income Sources
Enter up to two jobs and any side income. Set pay frequency and filing status per job. Calculates total estimated gross income automatically.
Tab 2 — Monthly Withholding Tracker
Log withholding and quarterly tax payments month by month. Running total updates your projected year-end refund or balance due as you go.
Tab 3 — W-4 Settings Log
Track every W-4 change you make: filing status, Step 3 credits, Step 4b deductions, and extra withholding. Holds up to 5 historical entries.
Not Sure If Your W-4 Is Set Correctly?
Use the W-4 calculator to check your current withholding and get recommended settings before logging anything in the planner.
Check My W-4 Withholding
Get your recommended W-4 settings in 60 seconds — free
Open the W-4 Calculator →Ready to File?
Once you've tracked your withholding all year, filing is easier. Compare free tax software options →
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Start filing →W4Calc may receive compensation when you click links to tax software partners. This does not affect our recommendations.
Want the full explainer? Read the guide: How to track your withholding all year →