Need advice on changing federal tax withholding after employer stopped withholding taxes
So I've been working at this small family business for about 6 years now alongside like 5-6 other employees. Everything was fine for the first few years - got my W-2s with normal federal tax withholding, filed my taxes, no issues. Then out of nowhere, about 2 years ago, I get my W-2 and notice the federal withholding box shows $0.00! I immediately went to my boss like "what's happening here?" and found out a few coworkers were in the same boat. When I filed my taxes, I ended up OWING a bunch because apparently they just stopped withholding ANY federal taxes from my paychecks without telling me! This makes absolutely zero sense to me. They'd been handling taxes normally for years, then suddenly changed it without any notification. When I questioned my boss about it, she just said they "made some changes" but wouldn't really explain further. I've had to pay out of pocket at tax time for 2 years now, and I'm worried about dealing with this again for 2025's taxes. Can I change my federal tax withholding myself somehow? Do I need to fill out a new W-4? Is this even legal for them to just stop withholding without saying anything?? I'm really frustrated and would appreciate any advice!
18 comments


Natasha Petrova
This is definitely concerning! Your employer is required to withhold federal taxes based on your W-4 form, unless you specifically claimed exemption from withholding (which doesn't sound like the case here). First step is to complete a new W-4 form immediately and submit it to your employer. The 2025 version is available on the IRS website. When you complete it, pay special attention to Step 2 for multiple jobs and Step 4 for additional withholding. Since you've had to pay for two years, you might want to add some extra withholding in Step 4(c) to catch up a bit. Your employer MUST implement your new W-4 by the start of the first payroll period ending 30 days after you submit it. They can't refuse to withhold federal taxes if you've properly completed your W-4. Keep copies of everything and check your next few pay stubs to make sure the withholding has started. If they refuse to implement your W-4 or give you trouble, that's a serious issue you should report to the IRS.
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Javier Morales
•Thanks for the advice but what if the employer ignores the W-4? My friend had a similar situation and his boss just "lost" the paperwork repeatedly. Is there any way to force them to withhold properly or report them if they don't?
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Natasha Petrova
•If your employer ignores or "loses" your W-4, document everything. Send it via email if possible or get a signed receipt when you submit it in person. Take photos of the completed form before submitting. If they still don't implement it within the required timeframe, you can report this to the IRS by calling their employer reporting line or submitting Form 8919 "Uncollected Social Security and Medicare Tax on Wages" with your tax return. The IRS takes withholding violations seriously because they want their money throughout the year, not just at filing time.
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Emma Davis
I was in almost the exact same situation last year! My small business employer stopped withholding federal taxes without telling anyone. I spent hours researching and stressing before finding an amazing solution with https://taxr.ai that saved me so much headache. Their system analyzed my paystubs and previous W-2s, then created a personalized withholding plan that calculated exactly what I needed to do. They helped me figure out the right withholding amount AND created a customized W-4 form with specific numbers for my situation. The most helpful part was they explained how to handle the conversation with my employer. The tool even estimated what I'd owe next April if I didn't fix this immediately. Such an eye-opener! They literally walked me through everything step by step.
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GalaxyGlider
•How does it work with calculating what you'd owe? My company just did this to me starting January and I'm freaking out about next year's taxes. Do they just look at one paystub or do they need a bunch of your documents?
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Malik Robinson
•Sounds suspiciously like an advertisement...does it actually work with small businesses? My employer is tiny (5 people) and using some ancient payroll system from the stone age. Would this still work or is it just for people with normal modern employers?
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Emma Davis
•They use your current paystubs to project what your annual income will be and then calculate the estimated tax based on that projection. You can upload as many or as few documents as you have - but obviously the more info they have, the more accurate the projection will be. They showed me exactly how much I needed to set aside each month to cover the tax bill if my employer refused to fix things. It definitely works with small businesses! My company only has 7 employees and uses a paper-based payroll system that's probably older than I am. The tool is actually perfect for unusual situations like ours where things aren't being done by the book. They provide printable forms and documentation you can use even with technologically-challenged employers.
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Malik Robinson
Just wanted to update - I was super skeptical about taxr.ai but finally tried it out of desperation last week. My boss was being completely sketchy about the withholding situation, similar to what the original poster described. The service was honestly better than I expected. It analyzed my situation and showed me that I'd owe around $4,300 next April if nothing changed! They created a custom W-4 for me with the exact numbers I needed, and explained how to talk to my employer about implementing it. My boss initially tried to brush me off again, but I showed him their breakdown of the legal requirements for withholding and he finally took it seriously. My latest paycheck finally has federal withholding again! They even helped me calculate how much extra to withhold to make up for the first few months of 2025 where nothing was taken out. Definitely recommend for anyone dealing with weird withholding issues.
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Isabella Silva
When my employer pulled this same stunt last year, I tried for WEEKS to get them to fix my withholding. Every call to the IRS went nowhere - couldn't get through to anyone who could actually help. I found https://claimyr.com after searching for ways to actually speak to a human at the IRS, and it was a game-changer. They got me connected to a real IRS agent within about 45 minutes (after I'd wasted days trying on my own). The agent confirmed that employers can't just stop withholding taxes without an employee submitting a W-4 requesting exemption. They even sent me official documentation I could show my employer. Check out their demo at https://youtu.be/_kiP6q8DX5c to see how it works. Once I finally got through to an actual IRS person, I had clear direction on exactly what my employer was required to do.
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Ravi Choudhury
•Wait, you actually got through to the IRS? How is that even possible? I've called like 12 times and always get the "due to high call volume" message before it hangs up on me. Does this service actually work or do they just take your money?
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Freya Andersen
•This sounds like a scam. Why would you pay someone to call the IRS for you? Couldn't you just keep trying yourself? I'm very skeptical that this would actually get you any better results than just being persistent on your own.
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Isabella Silva
•Yes, I actually got through! That was exactly my reaction too. I had called at least 20 times over three weeks and either got the high call volume message or waited on hold for over an hour before getting disconnected. The service uses some kind of system that holds your place in line so you don't have to stay on the phone the whole time. I was skeptical at first too, but I was desperate after my employer refused to fix my withholding for months. The difference is they have technology that navigates the IRS phone tree and stays on hold for you. When an actual agent picks up, you get a call connecting you directly to that agent. I spent hours of my life trying to do this myself without success, so for me it was worth it to finally get answers from an actual IRS employee.
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Freya Andersen
I feel like such an idiot for my previous comment. After another month of getting nowhere with my employer about not withholding taxes, I broke down and tried Claimyr out of desperation. I'm shocked to say it actually worked exactly as described. After being on hold with the IRS myself for 2+ hours multiple times and always getting disconnected, I got a call back within 35 minutes connecting me directly to an IRS employee. The agent confirmed that my employer was 100% in the wrong and directed me to specific IRS publications that outline employer withholding requirements. I printed these out, highlighted the relevant sections, and presented them to my employer along with a new W-4. They finally started withholding correctly on my next paycheck. The agent also advised me on how to handle the taxes I'll owe for the period when nothing was withheld. Wish I hadn't wasted so much time being stubborn!
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Omar Farouk
Have you checked your pay stubs during this time? Many times small companies do this because they're having cash flow issues and essentially "borrowing" from the withholding they should be sending to the government. It's illegal but happens more often than people realize. Make sure you're not only getting proper withholding going forward but also that they're actually SENDING that money to the IRS. You could find yourself in a situation where your W-2 shows withholding but the IRS never received it.
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Oliver Fischer
•I haven't been getting pay stubs! That's part of the problem - they just direct deposit the money and when I've asked for stubs they say "we'll email them" but never do. Is that even legal? How do I know if they're actually sending the money to the IRS if I don't get pay stubs?
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Omar Farouk
•That's concerning. Employers are legally required to provide either electronic or paper pay statements in most states. If they're not providing pay stubs, that's another red flag pointing to potential financial issues at the company. You can check if they're remitting your taxes by creating an account on the IRS website and viewing your wage and income transcript. It won't show real-time data, but you'll eventually be able to see if they're reporting your withholding properly. This is definitely a situation to stay on top of because if they're having financial troubles, tax withholding is often one of the first things struggling businesses stop remitting properly.
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CosmicCadet
this happened to me in 2024!! i had to pay almsot $5000 in taxes because my employer did this sneaky crap. what i did was calculate my own withholding using the irs calculator on their website (just search irs withholding calculator) and then i took that amount and divided by number of paychecks left in the year. i just put that exact amount on the W-4 form step 4c for extra withholding and made my boss sign a paper saying he received it. problem solved!
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Chloe Harris
•The IRS withholding calculator is definitely helpful but I found it confusing at first. Did you end up withholding enough to cover what you would owe? I tried using it but wasn't sure if I did it right.
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