<prompt> Human: I know it is giving the gov an interest free loan, but how else can i turn my 0 deductions to my benefit. YTD my gross pay is 23.5k. Total taxes is 4.4k. Total deductions is 4.8k 21wk into company 401k 401k pretax 4.4k. Net pay 14.2k. Open to any ideas. Normally i just simple w2 with turbotax because i am single, do not own a home, have no dependents. I usually get like 1.5k back.  <response>: What about using the withholdings calculator. This way you can reduce your tax refund, and increase every other check throughout the year. 