<prompt> Human: First the numbers: --- My income: 90,000 salary paid twice a month 24 pay periods Her income: 25,000 as a part-time waitress making at 3.75 base rate plus tips. Paid every two weeks 26 pay periods Our W4 Status: Married with 0 Allowances Annual Tax Bill: Description --- ---Gross Income 115,000401K Contributions mine 10,200Personal Exemptions 2Standard Deduction 12,700 Federal Taxable Income 84,100Annual Tax Bill Estimate 12,502Our Tax Projection: Taxes Me My Wife Combined --------- ---Taxes Paid YTD 8426 1086 9,512 Last Pay Period 388 106 497 Annual Taxes projected 9,590 1,522 11,112 Summary: Annual Tax Bill estimate: 12,502 Taxes Due 1,390 12,502 - 11,112---Im projecting our tax return for next year and it looks like were going to owe 1,400. We both took a look at our most recent pay stubs and it looks like her employer has only been taking out an average 5-6 for Federal Income Tax from each paycheck. She doesnt have any deductions so my understanding is the minimum should be 10 anyone feel free to correct me. With Married and 0 allowances they should be withholding a lot more. Ive changed my W4 to withhold at a higher single rate so that will bring down the bill to about 1,000 but that doesnt solve our long term problem. We can adjust her W4 to Married but withhold at the high single rate but why wouldnt the restaurant tax her at the right amount? Servers, have you had this kind of experience? EDIT: Added some detailsWe can cover the 1,400 no problem, dont even have to use emergency fund. We just want to make sure we dont get a big tax bill next year : Also should mention again if it wasnt clear above that Ive already adjusted my W4 to withhold at the higher single rate with 0 allowances. That should bring the bill down to about 1,000.  <response>: The restaurant doesnt know you make 90k. They think shes living in poverty and tax her acxordingly. 