Disclaimer

Last updated: July 2026 · Effective: January 2026

Effective date: January 15, 2026
Last updated: July 8, 2026

This Disclaimer applies to all content on the WithholdRight website (the "Site"), including the multi-state tax withholding calculator, all articles, FAQs, examples, tables, and any other material we publish. By using the Site, you acknowledge that you have read, understood, and agree to this Disclaimer. If you do not agree, please discontinue use of the Site.

1. No Professional Advice

All content on this Site is provided for general informational and educational purposes only. It does not constitute, and should not be relied upon as, tax advice, legal advice, accounting advice, financial advice, investment advice, or any other form of professional advice. The information on this Site is not a substitute for personalized guidance from a qualified professional who is familiar with the specific facts of your situation.

Tax law is complex, fact-specific, and changes frequently. The same set of facts can produce different outcomes depending on details that no general-purpose resource can capture. The calculator and articles on this Site simplify real-world tax law to make it understandable, but simplification necessarily omits details that may matter to your specific case.

You should consult a licensed certified public accountant (CPA), enrolled agent (EA), tax attorney, or other qualified professional before taking any action based on information from this Site. Actions you might consider include, without limitation:

  • Filing or amending a federal or state tax return.
  • Adjusting your Form W-4 or state withholding form.
  • Claiming a tax credit or deduction.
  • Structuring your employment, contractor relationship, or business entity.
  • Relocating to a different state for tax or other reasons.
  • Registering your business for payroll in a new state.
  • Responding to an audit, notice, or assessment from any tax authority.

2. No Professional-Client Relationship

Your use of the Site, your reading of any article, and your use of the calculator do not create a professional-client, attorney-client, or any other fiduciary relationship between you and WithholdRight or any of its contributors, reviewers, or affiliates. Communications you send to us by email or other means do not create such a relationship and are not privileged or confidential unless we expressly agree otherwise in writing.

3. Accuracy of Tax Data and Calculator Results

We use commercially reasonable efforts to ensure that the tax rates, brackets, standard deductions, reciprocity agreements, and other data on this Site are accurate and current as of the publication or "last reviewed" date shown on each page. Our data sources include:

  • Internal Revenue Service (IRS) publications, Revenue Procedures, and forms.
  • Social Security Administration (SSA) announcements of the annual wage base.
  • State Departments of Revenue and state tax agencies.
  • The Tax Foundation, American Payroll Association, and other authoritative secondary sources, which we cross-verify against primary sources.

However, tax law changes frequently. Federal inflation adjustments are published annually in late October or November. State legislatures pass rate changes, deduction changes, and structural reforms throughout the year, often with retroactive or prospective effective dates. Local taxes (city, county, school district) change even more frequently. We cannot guarantee that any specific rate shown on this Site is current on the day you read it.

The calculator produces an estimate based on the inputs you provide and the rates stored in its data file. The estimate does not account for factors including, but not limited to:

  • Multiple jobs or self-employment income.
  • Itemized deductions, above-the-line adjustments, or tax credits (Child Tax Credit, Earned Income Tax Credit, dependent credits, education credits, etc.).
  • Non-wage income (interest, dividends, capital gains, rental income, partnership income).
  • State-specific credits, exemptions, or surcharges that are not modeled in our standard bracket structure.
  • Special rules for military personnel, expatriates, treaty residents, or non-resident aliens.
  • Year-to-date wage accumulations that may affect the Additional Medicare Tax or Social Security wage base mid-year.
  • Local tax nuances that vary by city, county, or school district within a state.

The calculator results may differ from the withholding on your actual paycheck or from the tax shown on your actual tax return. Differences may also arise from how your employer's payroll software interprets Form W-4 and state withholding forms, and from rounding conventions.

4. Tax Year Specificity

Unless explicitly noted, all rates and brackets on this Site refer to the 2025 tax year (the year for which returns are filed in early 2026). Tax year 2026 inflation adjustments will be published by the IRS in fall 2025 and reflected on the Site after a CPA review. Older years' rates are not maintained on this Site; if you need prior-year rates, consult the relevant year's IRS Publication 15 (Circular E) and state DOR archives.

5. No Guarantee of Results

WithholdRight makes no guarantee, representation, or warranty that:

  • The calculator will produce a result identical to your actual paycheck or tax return.
  • Following any strategy described on the Site will result in a particular tax outcome.
  • Any tax saving, refund, or credit will be realized.
  • You will avoid penalties, interest, audit, or other adverse consequences.

Tax outcomes depend on facts and circumstances outside our control, including how tax authorities interpret and apply the law.

6. State-Specific Cautions

State tax rules vary widely and change frequently. Several states have unique rules that may not be fully captured in our calculator or articles, including but not limited to:

  • New York's convenience of the employer rule, which the New York State Department of Taxation and Finance enforces aggressively and which has been the subject of ongoing litigation.
  • California's residency audit program, which applies a multi-factor domicile test and a 9-month statutory residency presumption that goes beyond the simple 183-day rule.
  • Pennsylvania's local earned income tax (EIT), which varies by school district and municipality and is collected by separate tax collectors in many parts of the state.
  • Maryland's county tax, which adds 2.25% to 3.20% on top of the state rate depending on the county of residence.
  • Indiana's county tax, which has separate resident and non-resident rates for each of 91 counties.
  • New Jersey's convenience rule, which applies only to certain non-resident compensation and has been the subject of recent guidance.

If your situation involves one of these state-specific nuances, please consult a professional familiar with that state's rules.

7. Third-Party References

The Site may reference, quote, or link to third-party sources including the IRS, state tax agencies, the Tax Foundation, the American Payroll Association, law firm client alerts, payroll industry publications, and academic articles. References are provided for context and verification; they do not imply that the referenced source endorses this Site or any conclusion reached here. We are not responsible for the accuracy of third-party content.

8. Advertising and Affiliate Disclosure

This Site displays advertising served by Google AdSense. We may also, in the future, include affiliate links to third-party products or services. If we do, such links will be clearly disclosed in accordance with Federal Trade Commission (FTC) guidance. We are not currently compensated by any tax software provider, payroll provider, or financial institution for editorial coverage, and we do not allow advertisers to influence our calculator or article content. See our Advertising Disclosure for details.

9. No Endorsement

Reference to any company, product, service, or publication on this Site does not constitute or imply an endorsement by WithholdRight. We do not endorse any tax preparation software, payroll provider, accounting firm, or financial advisor.

10. Limitation of Liability

To the maximum extent permitted by applicable law, WithholdRight, its officers, directors, employees, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of, or reliance on, the Site or its content. This includes, but is not limited to, damages caused by:

  • Errors or omissions in the calculator or in articles.
  • Outdated rates, brackets, or rules.
  • Loss of data or interruption of access to the Site.
  • Actions you take, or fail to take, based on Site content.
  • Actions taken by tax authorities based on your filings or positions.

11. Copyright Notice

All original content on this Site is © 2026 WithholdRight. You may not reproduce, republish, or distribute our content without prior written permission, except for short quotes (under 100 words) with attribution and a link back to the source page. See our Terms of Service for details.

12. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our practices, the law, or the Site. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of the Site after any change constitutes acceptance of the revised Disclaimer.

13. Contact Us

If you have any questions about this Disclaimer, please contact us:

If you notice a factual error in any article or in the calculator, please let us know. We take accuracy seriously and will investigate and correct verified errors promptly.