Claim fewer allowances/exemptions if your goal is to have more tax withheld and potentially get a larger refund
Leave Step 3 blank unless you qualify for dependents or other credits
Use Step 4(c) to add extra withholding from each paycheck
Reduce or skip other income adjustments in Step 4(a) and deductions in Step 4(b) if you want more withheld
Update your W-4 after major life changes like marriage, divorce, a new job, or having a child
Use the IRS Tax Withholding Estimator to fine-tune your withholding
Submit a new W-4 to your employer’s payroll department whenever you want to change withholding
If you want more take-home pay now, increase allowances only if you understand it may reduce your refund or create tax due later