<prompt> Human: Newly married couple 123114 in Indiana trying to minimize marriage penalty and seeking input on how to best fill out W-4 withholding formsHe makes 40,000yr gross. She makes 27,000 yr gross. So far paid in this year without adjusting w4: him 1598.93; her 1560.77We filed this year as marriedjointly, but dont yet know if this is going to hose us on our student loan calcs IBR direct loans pre-marriage. For now, we figure we need to at least modify our w4 to avoid a giant tax bill in 2016. We both worked on the worksheet but it didnt lead us hacks to knowing for sure what would be best. I dont remember what number of exemptions we currently use.  <response>: Use the IRS tax withholding calculator. It will tell you what you should to do your W-4s to make sure you dont get hosed. 