<prompt> Human: So far my year to date 2013 gross income is 6954 3rd pay cycle out of 24. My year to date withholding tax is 951, SS tax is 420, Medicare tax is 98, pension tax 11, medical aid fund tax 127. My pension contribution so far is 322, so I can probably get some type of tax credit for my retirement savings accounts and probably on my deferred compensation plan too. On my W-4 WH status, I am listed as single. According to the IRS tax withholding calculator, I will owe approx 750 when I do my 2013 taxes and the suggestion was to switch to single on my W-4. Something seems wrong! Or am I just being paranoid? I would switch to withholding an extra 70month, but, I will still end up having to pay something if I work overtime and Im afraid of an unexpected costly expense. Additionally, I dont have an emergency fund established yet because Im trying to pay off my credit card by July... so Im not sure if I will be able to save up enough money to pay taxes if I needed to work overtime sometimes overtime is mandatory.  <response>: How many exemptions did you take on the W-4? 