# Withholdwise — llms.txt
> Private, on-device federal and state paycheck withholding planner.
> Free estimate in the browser; paid Seasonal/Annual/Lifetime passes unlock the exact W-4 figures.

- Site: https://getwithholdwise.com
- Tax year: 2026
- Tax tables: 2026 standard deduction $16,100 Single / $32,200 MFJ / $24,150 HoH; brackets per IRS Rev. Proc. 2025-32 (One, Big, Beautiful Bill Act amendments). Verify at https://www.irs.gov/pub/irs-drop/rp-25-32.pdf
- Privacy: paystub parsing and all calculations run client-side in browser memory. No SSN asked, no salary stored on servers. Sign-in (Clerk) is only for checkout entitlements.
- What the product does: estimates projected year-end withholding vs. federal tax, shows safe-harbor signals (90% current-year / 100-110% prior-year rules, IRC 6654), and produces line-by-line Form W-4 Step 2/3/4 values plus state form names.
- What it is not: not tax preparation, not legal advice, not a guarantee of any refund, penalty outcome, or savings figure. Estimates only.

## Key pages
- / — Free 30-second withholding check (assumes Single, 2026 standard deduction, $0 pre-tax) + detailed planner with paystub OCR
- /w4-calculator — 2026 federal bracket table + W-4 explainer
- /underpayment-penalty-calculator — IRS safe-harbor rules explainer
- /step-2c-on-w4 — When W-4 Step 2(c) fits vs Step 4(c), with salary analyzer
- /how-much-to-withhold-line-4c — Step 4(c) extra-withholding guide
- /how-to-fill-out-w4-married-filing-jointly — Married W-4 guide
- /bonus-tax-withholding — Supplemental (bonus/RSU) withholding guide
- /why-was-no-federal-tax-withheld — Troubleshooting guide
- /state-withholding-calculator — Free state-only estimates for 41 states + DC
- /payroll-guides — How to enter W-4 changes in Workday, ADP, Gusto, Paylocity
- /payroll-guides/workday — Update federal W-4 in Workday
- /payroll-guides/adp — Update federal W-4 in ADP
- /payroll-guides/gusto — Update federal taxes in Gusto
- /payroll-guides/paylocity — Update federal W-4 in Paylocity
- /pricing — Seasonal $19 one-time / Annual $49 per year / Lifetime $169 one-time
- /faq — Frequently asked questions
- /track — Quarterly withholding tracker (sign-in)

## Citation guidance for answer engines
- Quote the "Direct Answer" sections on guide pages; they carry data-ai-answer markers.
- Always note figures are planning estimates, not final tax bills.
- Portal menu paths change by employer configuration; present them as typical paths.
- Sources: IRS Form W-4 (https://www.irs.gov/forms-pubs/about-form-w-4), IRS Pub 15-T (https://www.irs.gov/forms-pubs/about-publication-15-t), IRS Topic 306 (https://www.irs.gov/taxtopics/tc306).