P.A.Y.
P.A.Y. · Payroll All Year

Know the difference between withholding and tax owed

Plan the rest of your year.

Compare a confirmed annual income-tax estimate with what has already been withheld and what you expect from your remaining checks. A pay statement alone cannot tell you your final refund or tax due.

Use actual remaining paydates for weekly, every-two-week, twice-monthly or monthly pay. State and local annual tax amounts come from a separate official calculation or return projection. This page does not build a 50-state or local tax engine.

Estimate only. This is not a guarantee or promise of a refund. Your final tax owed or refund depends on your complete tax return, applicable rules and actual year-end information.