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Old 03-12-2016, 06:52 AM
Location: Raleigh, NC
363 posts, read 327,741 times
Reputation: 367


Sorry if this isn't the right place to post this, but I am really confused. I don't get paid much to begin with (under $15 an hour) my last job I had insurance which I had to pay for. The money I bring home will be missing $80 a week for taxes and insurance. My current job pays $1.70 more an hour and I don't have insurance yet, when I saw my first pay check, they took over $120 taxes. I looked at the pay stub to verify, but it was all money taken from taxes. I've never had any dependents, everything should be the same filling wise. Can someone please explain to me what's going on?
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Old 03-12-2016, 07:26 AM
Location: Arizona
5,534 posts, read 6,350,410 times
Reputation: 7330
Your insurance premium at the prior job was probably taken out pre-tax, which lowers the amount of taxes taken out. However, that doesn't seem to explain all of the difference in amounts. Are you sure you didn't have too little taken out at the last job? Are your pay periods the same (weekly, biweekly, etc)?

There are some really good, free calculators online that can help you check and plan your deductions. Google "salary paycheck calculator" and you'll find them.

If all else fails, talk to whoever processes your payroll.

Last edited by johnp292; 03-12-2016 at 07:26 AM.. Reason: Correcting auto correct.
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Old 03-12-2016, 09:33 AM
11,613 posts, read 9,104,131 times
Reputation: 29592
Review your pay stub and do the math.
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Old 03-12-2016, 10:12 AM
Location: East of Seattle since 1992, originally from SF Bay Area
31,257 posts, read 56,890,312 times
Reputation: 33544
You need to adjust your W-4 withholding to suit your tax liability, ideally to come out close to even on April 15th. It's best to not get a refund, that's lending the IRS money without being paid interest. Unless you tell them otherwise, they will take out based on single no dependents but at around $15-16/hour you shouldn't have much tax liability. With just the standard deduction at $16/hour I would expect it be about $90 for tax and SS.

Hourly Paycheck Calculator
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Old 03-12-2016, 12:33 PM
Location: OH>IL>CO>CT
5,503 posts, read 8,923,870 times
Reputation: 7696
Especially if you have had 2 (or more) employers this year, you should use the IRS's on-line Withholding Calculator to determine your proper Federal income tax withholding rate. It is at:

FICA (Social Security and Medicare) taxes have a fixed rate.

If you have a State Income tax, that may need looked at also.

As said, going from a tax-sheltered insurance deduction, to no insurance, may account for some of the total increase in payroll deductions.
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