<prompt> Human: Hi all, On paper, I make 32,000 a year before taxes. I take home 1800month currently, or 21,600 a year. That is about a third of my income gone. Is that correct? Am I crazy here? Any help will be much appreciated! Edit: I just used the IRS.GOV withholding calculator, and they suggested I file single with 3 withholdings. This seems odd, as I only support myself. Edit 2: You guys are the best.  <response>: Also check out this salary paycheck calculator from ADPIve found it to be very accurate in calculating what your take home pay will be after taxes and any other deductions you specify, e.g. 401k or HSA. You can adjust your federal and state allowances to find out exactly how your pay will change when going from 0 to 3 allowances. Make sure you also specify your state and pay frequency to get an accurate amount. 