<prompt> Human: Context: Married filing jointly; Me: 60,000; Husband: 70,000; Two kids; not home owners; only one job each; For 2016, should my husband claim 4 allowances and I claim 0? Do we both claim 4? Do we each claim 2? Please help. Weve been hit really hard in April for the last two years and I anticipate the same for 2015. We do use the IRS calculator. Maybe our problem lies somewhere else. My husband thinks its because were not home owners but thats not really an option in the city we live in. I know its hard to guess what were doing wrong as there are so many variables but I would love it if someone could suggest a few things for us to look in to.  <response>: Taxes withheld are not the same thing as taxes owedpaid. You can adjust your withholdings, but that doesnt change your actual tax burden. If you are referring to owing the IRS when you file your taxes then perhaps selecting Married but withhold at the higher single rate on your W-4 will help your withholdings more closely match your tax burden. You are in the income ranges that this might be an issue. 