What is the difference in tax withholding between married and single?
Sarah Duran
Published May 18, 2026
Married people typically choose to have less withheld because they can claim exemptions for two people when it comes time to file, reducing the overall amount of tax they must pay. At the same income, and with the same number of allowances, the single withholding rate withholds more taxes than the married rate.
Why does my federal withholding change each paycheck?
Since your federal withholding payments are based on your income, the amount that your employer withholds will also vary, depending on changes to your income. If you are a salaried employee, your federal withholding payments may also fluctuate if you experience raises, pay cuts or other adjustments to your rate of pay.
When to use single or married withholding status?
Married, but withhold at higher Single rate: This status should be used if you are married but filing separately, or if both spouses work and have similar income. Single or Married Filing Separately: This status should be used if you are either single or married but filing separately.
How can I adjust my income tax withholding?
In order to adjust your tax withholding, you will have to complete a new W-4 form with your employer. You can ask your employer for a copy of this form or you can obtain it directly from the IRS website.
Do you get less tax withheld if you are married?
Married Filing Jointly (or Qualifying Widower): This status should be used if you are married and filing a joint tax return with your spouse. This status will have less taxes withheld from each paycheck than Head of Household.
What should my W-4 status be if I am not married?
Withholding Status Options. You have three choices for your W-4 filing status as it relates to your marital status. Each may have a different affect on your withholding status, depending on your situation. Your 2019 W-4 filing status choices are: Single: W-4 Single status should be used if you are not married and have no dependents.