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Withholding check: will I owe tax or get a refund?

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Add your pay and what your paycheck withholds. See if you are on track for a refund or a bill, and how much extra to withhold.

2026 federal brackets, $2,200 child tax credit. Excludes state tax, other income and credits. Estimate.

Common questions

How do I stop owing at tax time?

Add extra withholding on your W-4 so that withholding matches your tax.

Is a refund good?

It is an interest-free loan to the government. A smaller refund means more pay now.