How to fill out new W-4 form without allowances section? W-4 dependents options confusing

The W-4 underwent a major redesign in 2020, and the allowances system was completely eliminated. This is causing a lot of confusion for people who were used to the old system! If you're single with no dependents and want to achieve a similar withholding to when you claimed 1 allowance on the old form, you should NOT claim dependents you don't actually have. The "other dependents" section is for actual qualifying dependents who aren't your children. Instead, there are two main approaches you can take: 1. Simply complete Step 1 (personal info) and Step 5 (sign and date) while leaving Steps 2-4 blank. This is the standard withholding for a single person with one job and no dependents. 2. If you want less withholding (similar to claiming extra allowances before), use Step 4(c) where you can directly enter an additional amount you want withheld per pay period. You can enter a negative number here to reduce your withholding. The reason the tax calculator showed a higher refund with a dependent is because it assumed you were eligible for dependent-related tax credits, which would increase your refund. But claiming a dependent you don't have would be incorrect on your tax return.

I recently went through the same confusion when filling out my W-4 at my new job. Let me share what I discovered about the withholding calculator at https://taxr.ai - it basically helped me understand exactly how to fill out the new form to get the result I wanted. I was completely lost trying to figure out the new W-4 format and how it related to my old withholding preferences. The taxr.ai tool asked me what I used to put on my old W-4 and then translated that to the correct entries for the new form. It explained that the dependent fields are literally for actual dependents and shouldn't be used to adjust withholding like we used to do with allowances. Instead, it showed me how to use the "extra withholding" section properly and estimated what my paychecks would look like with different settings. Took like 5 minutes and saved me from potentially messing up my withholding for the whole year.

Just wanted to follow up on my experience with taxr.ai after my skeptical comment. I ended up trying it since I was really stuck on how to fill out my W-4 properly. It was actually super helpful and way more straightforward than I expected. The tool walked me through some simple questions about my tax situation and showed me exactly what to put on each line of the new W-4. It explained that I should use the additional withholding amount in Section 4(c) rather than falsely claiming dependents I don't have. When I submitted my W-4 with their recommended settings, my first paycheck came with almost exactly the withholding amount I was targeting. Much better than my last job where I had massive withholding because I filled out the form incorrectly. Definitely saved me from another year of giving the government an interest-free loan!

If you're struggling with getting through to the IRS to ask questions about the W-4 changes, I discovered a service called Claimyr that completely changed my tax filing experience this year. After waiting on hold for 2+ hours trying to get clarification about the W-4 dependent sections, I gave up and searched for alternatives. Found this service at https://claimyr.com that actually gets the IRS to call YOU instead of waiting on hold. They have a video showing how it works: https://youtu.be/_kiP6q8DX5c I was able to speak directly with an IRS representative who walked me through exactly how to fill out the new W-4 to match my previous withholding preferences. The agent explained that the new form uses a completely different calculation method, and trying to match the old "allowances" system isn't straightforward. They provided specific guidance for my situation.

I need to eat my words about Claimyr. After posting my skeptical comment, I decided to try it because I was desperate for help with my W-4 and couldn't get through to the IRS. It actually worked exactly as described. After signing up, I got a call about 45 minutes later from a real IRS agent who answered all my questions about the new W-4 form. They explained that the new form isn't designed to directly translate from the old allowances system, but they helped me calculate the right amount to put in Step 4(c) to achieve similar withholding to my old W-4. The agent told me claiming dependents I don't have would be incorrect and could cause problems, but using the adjustments in Step 4 is the proper way to customize withholding. This saved me from potentially making a significant error on my form. I'm genuinely surprised at how helpful this was after being so skeptical.

One important thing nobody's mentioned yet: the W-4 isn't just about getting a smaller refund - it's about getting your withholding right so you don't end up OWING money at tax time. That happened to me last year and it was a nasty surprise. Instead of trying to match your old W-4 setting, you should use the IRS Tax Withholding Estimator on their official site. It'll ask for income details, expected deductions, credits, etc. and give you the exact instructions for each line of the W-4. If you're single with one job and no complicated tax situation, you could probably just fill out Step 1 and Step 5 and be fine. But if you have any other income, plan to itemize deductions, or have specific refund goals, definitely use the estimator.

Has anyone tried just checking the box in Step 2(c) for multiple jobs? I did that thinking it would be similar to the old 0 allowances, but my first paycheck had WAY more withheld than I expected. Almost 35% of my check went to federal taxes!

I went through this exact same confusion when I started my new job last month! The key thing to understand is that the new W-4 is designed to be more accurate, but it works completely differently from the old allowances system. Here's what worked for me as a single person with no dependents: I filled out Step 1 (basic info) and Step 5 (signature), leaving Steps 2-4 blank. This gives you the standard withholding for a single person with one job. DO NOT put anything in the dependents sections unless you actually have qualifying dependents - that's not how you adjust withholding anymore. The "other dependents" field is for actual dependents like elderly parents you support, not a way to reduce withholding. If after your first paycheck you find the withholding is too high or too low, you can always submit a new W-4 using Step 4(c) to add extra withholding (positive number) or reduce withholding (you'd work with HR on this). The IRS withholding estimator on their official website is really helpful once you have a pay stub to work with. It'll tell you exactly what adjustments to make if needed. Much better to start simple and adjust than to guess wrong from the beginning!

The confusion around the new W-4 is totally understandable! I went through the same thing when I changed jobs earlier this year. Here's what I learned that might help: The new W-4 eliminated allowances because they were often confusing and led to incorrect withholding. The IRS designed the new form to be more precise, but it definitely has a learning curve. For your situation (single, no dependents, wanting similar withholding to claiming 1 allowance), here's what I'd recommend: 1. Fill out only Step 1 (personal information) and Step 5 (signature/date). Leave Steps 2-4 blank. This sets up standard withholding for a single filer with one job. 2. DO NOT put anything in the dependents sections unless you actually have qualifying dependents. These aren't substitutes for the old allowances system. 3. After you get your first few paychecks, use the official IRS Tax Withholding Estimator (not third-party tools) to see if you need adjustments. If so, you can submit a new W-4 with an amount in Step 4(c). The reason the tax calculator showed a higher refund when you entered a dependent is because it assumed you'd qualify for dependent tax credits, which you wouldn't actually get if you don't have dependents. Start simple - the new system is designed to work well for straightforward situations without any manual adjustments. You can always fine-tune later once you see how your actual withholding works out!