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Federal Income Tax Rates Went Down but Your Federal Tax Withholding Increased. Here’s Why…

Written by Nickel - 186 Comments

Did Your Federal Income Tax Withholding Increase?

In the past few days, I’ve heard from several readers who noted that their federal income tax withholding has increased in 2011 despite the fact that 2011 income tax rates will be unchanged from 2010.

This situation has been made more confusing by the so-called Payroll Tax Holiday, which knocks 2% off your Social Security taxes. If income tax rates are the same, and your Social Security taxes have decreased, why has your withholding increased?

For starters, the Making Work Pay tax credit has expired. Unlike most income tax credits, which can be claimed when you file your taxes, the Making Work Pay credit was given out incrementally via reduced federal income tax withholding during 2010.

It’s also important to note that, the Payroll Tax Holiday is a separate issue entirely, and it affects a different line on your check stub. As I noted above, this affects your Social Security taxes, which are typically listed as FICA-OASDI on your check stub.

While the Payroll Tax Holiday went into effect on January 1st, the IRS has given employers until January 31st to implement the changes in their payroll systems, with an expectation that any over-withholding be rectified by the end of March.

So… If you’ve seen an increase in federal income tax withholding (or failed to see a decrease in Social Security withholding), you now know why.

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Published on January 7th, 2011
Modified on January 9th, 2012 - 186 Comments
Filed under: Taxes, Working

About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

186 Responses to “Federal Income Tax Rates Went Down but Your Federal Tax Withholding Increased. Here’s Why…”

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51
jean Says:
January 29th, 2011 at 7:56 am
I just received a notice that they will be taking $50 more out of my pension for taxes every month and also that my health insurance will be going up too. I’m not voting for anybody ever again, democrat or republican
52
Betty Says:
January 29th, 2011 at 12:32 pm
My husband and I are both retired and what a shock when our retirement checks came yesterday!!! I thought the taxes were staying the same so I expected the same pay as last year! We are both retired teachers so are not covered by social security. Our paychecks combined were $68/month less. We have received no cola’s for three years. After 1 1/2 years of retirement, I am making $36/month less with no hope of seeing any increases in pay, only another increase in insurance come July.
53
Jean Says:
January 29th, 2011 at 12:40 pm
I am also retired and living on a small soc sec and fed retirement. Insurance went up, but the Fed witholding doubled. Why? Will it be adjusted in the next month or so!
54
Pam Says:
January 29th, 2011 at 12:54 pm
I don’t care if these increased taxes are the result of a democratic or republican issue, all I know is that my husband and I are retired, don’t pay SS any longer and can’t for the life of me understand what justification the federal government has for taking an additional $85 out of our bring home pay!!! I’ve been retired a few years longer than my husband and have not received a pay increase of any kind. I’ve listened to the politicians tout no increase in taxes and felt some relief. But when we received our pay stubs this month,I was really shocked to see the HUGE increase in federal tax deduction! What the hell? Lower taxes for the rich and higher taxes for us?
55
jennifer Says:
January 29th, 2011 at 1:15 pm
i have over $30 increase in fed taxes withheld. i am retired and have not received “work pay” nor am i affected by s.s. decrease since i am a state retiree. so i am really impressed with the latest gov. deal. too bad obama is going to be a one term pres. he sold us down the river. my husband is also retired so thanks again. i hope everyone is aware of how this affects the poorest of us.
56
Gary Kushlan Says:
January 29th, 2011 at 2:27 pm
Ok I will weigh in as mine went up 42$ a month..Health Insurance went up 28$/month and medicinal co-pays up 2$ per prescription.. And no Cola cause of their math that says nothing went up???
This math equates to 78$/month overall increase..Thanks OBAMA..
57
harry thompson Says:
January 29th, 2011 at 2:50 pm
The Making Work Pay credit was a casualty of the negotiations over extension of the Bush tax cuts. From what I read, the republicans did not like this particular credit because they said it resulted in cases where certain individuals paid no federal income tax last year. Obama conceded on the point and, subsequently, the credit was allowed to expire. What I can’t understand is why this was agreed to. If the Bush tax cuts were good for the economy, why weren’t the Obama tax cuts. This is the kind of stuff that gives government a bad name.
58
claude phillips Says:
January 29th, 2011 at 8:16 pm
I am a 30 year retiree from the Federal Govt. Income tax witholding up $30 per month. Health care costs up $35 per month. No COLA for past 2 years, no SS COLA and my employer has a freeze on raises for the past 2 years. I am 72 and still have to work 40 hours a week to keep my head above water. I have custody of 2 teen age children. Thanks a lot Obama. So much for not raising the taxes on the lower class. No light at the end of the tunnel.
59
mario caraballo Says:
January 29th, 2011 at 8:47 pm
I’m a retired federal employee and noticed my federal taxes increased by $68 a month . My wife is also retired federal employee and her federal taxes increased $45 a month. Haven’t had a cost of living increase the past 2 years because the government claims the price of gas and food hasn’t increased much. Our health insurance increased last June , but I did notice our dental insurance decreased by .09 a month . Also while I was trying to make sense and questioning my wife , why she changed what I claim for federal taxes , I heard on the news that for the past 7 or 9 years the United States has given Egypt about 51 billion dollars and I don’t think there’s a war there.
60
John W. Says:
January 29th, 2011 at 11:36 pm
This is typical, once again My taxes increase while Rush Limbaugh and his ilk get income tax breaks.
this is just swell….
61
Jo/GaelicWench Says:
January 30th, 2011 at 5:44 am
For those of you who are retired, are your retirement checks as a result of pre-tax contributions or post-tax? If post-tax, then the government should NOT be getting one penny of that money. But, of course, if pre-ta, such as what is taken out prior to the other withholdings and going into a 401k, then yes, that should be taxed. But it still doesn’t make sense, since this should be done according to one’s tax bracket.

For the gub’mint, it’s a one size fits all type of thing. And it’s also known as double dipping. Their mission in life is to have us constantly coming and going. I also find it mind-boggling that those of us with small incomes are being taxed, yet others above a certain pay level aren’t affected by it.

It’s gotten truly pathetic! Anything they say now have fallen on [my] deaf ears. I don’t believe them for one iota of a second! :::::eyerolling::::
62
Doug G Says:
January 30th, 2011 at 8:50 am
Making work pay was a tax break for folks who worked, ie, had W2s which is my case, although I also get a pension and SS. Now MWP is going away so I have seen a small tax increase –400 a year means about 8 bucks a week on my work withholding. It puzzles me why folks getting pension income should also see an increase since pension incomes are defined as non-earned income — you don’t work and get a W2.
63
Mary E. Francis Says:
January 30th, 2011 at 11:07 am
If it was a MSKING WORK PAY tax why is it effecting the people who are retire and no longer work?
64
William Hill Says:
January 30th, 2011 at 1:05 pm
My wife and I are retired federal employees. We received our shocker Notice of Annuiity Adjustments, noting that our combined monthly federal tax withholding increased from $835.72 to $929.40. We were expecting an increase?? Someone fell down by not warning about the shock?
65
LadyKim Says:
January 30th, 2011 at 2:50 pm
Hummm…. I just did my taxes with TaxAct and it added in the “making work pay” amount automatically. Of course after I sent off the e-file, I got a message back that the IRS won’t accept returns that are itemized until February 14 because of the new tax laws. I guess that means my refund will be less too…

Spend and spend, Tax and Tax…. our government is Out of Control!
66
Janet Wadsworth Says:
January 30th, 2011 at 4:22 pm
I noticed an increase in my federal tax on my pension payment from my company. My supplemental health insurance when up $55.00 per month and now my pension is $54.00 less a month with no COLA on my Social Security. I am so sick of all of this. The powers to be (no matter what party) have ways of sneaking increases in on us and we find out about it when we get our checks. I guess we don’t have any extra money in Washington as we are sending all of it to other countries!!!!!!!!!!!!!
67
ATTICVICKIE Says:
January 30th, 2011 at 6:00 pm
WHY CAN’T THEY JUST LEAVE THE RETIREE’S ALONE. LIKE ALL OF THE OTHERS MY HUSBANDS BEEN RETIRED FOR ABOUT 2 YRS WE DEPEND ON OUR PENSION AND FIGURED IT INTO OUR BUDGET WE ARE NOW DOWN $68.00.A MONTH. DO WE DO WITHOUT THE TELEPHONE OR THE CABLE? THE GOVERMENT ALWAYS PICKS ON THE LITTLE GUY. GET AFTER THOSE THAT ARE ABUSING THE SYSTEM.
68
Doug Everhart Says:
January 31st, 2011 at 10:39 am
I too am a retired educator and noticed my check was about $50 less because of federal taxes. What gives? I thought the rate went down from 6.2 to 4.2.
69
Petrella Says:
January 31st, 2011 at 11:05 am
How dare they mess with the retirees! I have worked and retired from Federal Government and what thanks do we get! How are we suppose to make it! Everything is up but our annuities!

Someone has go to do something!
70
Dee Says:
January 31st, 2011 at 11:19 am
We were under the impression that 2011 income tax rates would be unchanged from 2010, however, my husband and I saw our pension checks reduced by $50 each. A $100 cut per month is a lot of money. We were not expecting to pay higher taxes and it was a shock. Whatever the explanation, it comes down to paying higher taxes in 2011. I’m disappointed that Obama allowed this to happen.
71
Mike in Mass Says:
January 31st, 2011 at 11:36 am
The only way to fight this is through the AARP or some other organization that has the clout to scream bloody murder. This really PO’s me because like a lot of others posting here, we scaled back when I retired and every penny counts because utilities, gas, postage, and food all go up and we’re no longer getting COLA’s. Obama isn’t the culprit… its the Republicans who forced this deal down his throat. OTH, Obama promised no tax increases for seniors and middle income, and maybe the AARP can get involved with a petition or something that raises awareness. Senators and Representatives are making big bucks in salaries and perks and its pretty obvious that the Millionaires need their tax breaks more than those of us on a fixed income. I’m going to write to AARP and I suggest everyone else does. I will also see if there’s anything covering this on Newsvine.
72
PatW Says:
January 31st, 2011 at 11:42 am
I was totally shocked. I too, thought what I heard on the news would not affect us retirees. No where did newscasters say, “Retirees, hold on to your hats, it will affect you too”!
73
Linda Says:
January 31st, 2011 at 12:49 pm
Retired auto worker, made the one major auto company that was bailed out, their millions to travel on private jets and put themselves in bankruptcy and now I lost 47.00 a month in Fed. What? Seems like you get kicked no matter what you do. That $180.00 a month was a car payment, guess I buy a moped now!
Definately this is one for AARP to work on!
74
Lee Says:
January 31st, 2011 at 1:18 pm
Our tax system is so complicated…it needs to be revamped. I too am retired and noticed a $30 decrease in take home pay. I payed SS taxes during my 30 years of state employment but not in retirement. So it is a $30 hit and it may not seem like a lot to some, it is to me!!! Everything is going up, food, gas, utilities, HEALTH ins.-its ridiculous. But this is what the elected officials both locally and federally have gotten us in to. (both republicans and democrats!!). They must think the general public is stupid. Something does need to be done to make our tax system simplified, and FAIR. Or one day, there will be revolt here on our streets in this country!
75
victoria rodriguez Says:
January 31st, 2011 at 1:22 pm
I too retired from the federal Gov’t and my taxes went up by 49.58,I could not receive all of my social security when I paid into it over the years before Gov’t work, because of double dipping. After working all my life as a single parent, bringing up my three children and proud not go take welfare or food stamps this is the thanks. I own my own home and pay the state property taxes, that too that went up, they are certainly get their fair share of my sweat. I should have gone on welfare all those years, I would now have gov’t assistance for apartment,(no property tax) food stamps and free medical other then paying my medicare I probable could get free eye glasses and dental, which I do not get now.

I think what we all should do is take our money and not pay any taxes and put it into a bank and then at least earn some interest, then pay them at the end of the year so they won’t use our money until then. Being retired who knows when we will die that would be a big laugh on them no taxes on us can’t collect from the dead………..
76
Steve Says:
January 31st, 2011 at 2:40 pm
My pension check payment was $48 less that last month due to federal w/holding. The tax tables changed was the explanation by the provider.

We all thought there was to be no change in taxes after the vote a few week ago, now we find we have been tricked again. With hold more now,use the taxpayers money for a year or more and make it look like the fed is got more money than they had counted on. What a shame, does congress and the internal revenue think we are that stupid.
77
Ed Says:
January 31st, 2011 at 3:31 pm
Wow! My wife and I are on federal pensions, too. Imagine our surprise when the taxes that didn’t go up actually, well…. Went up! Since SS benefits or withholdings aren’t part of our lives, you can imagine our surprise when our checks lost around $100 ground between the two of us. I am actually making less per month than I did in the two previous years. No matter what the reason is for the increase, it is still a tax HIKE! They blind-sided millions of people on this one… Thanx guys. I am hoping there is a collective scream of disgust and whoever pulled this switcheroo straightens it out, pronto! I definetely will not forget this event when the polls beckon. I am mad.
78
Linda Says:
January 31st, 2011 at 3:42 pm
I also could not figure out why I received an increase in federal witholding on my pension check when the BUSH tax cuts were to be kept in place. I cannot loose one cent less. Obama and his Commie minions are a real joke. Wait until you see the cost of Government health care! Hopefully it will be repealed. Vote Obama out in 2012. He is whom he keeps company with. Now and in the past.
79
Juliana Says:
January 31st, 2011 at 3:48 pm
Someone please explain what happened here. Didn’t we just extend the Bush tax cuts and didn’t Obama say no tax increase for seniors and low and middle income earners? Looks like we got screwed again by our overspending government officials.
80
Ed Says:
January 31st, 2011 at 4:43 pm
Last year when a lot of folks got those little Make Work Pay “bonus” credits in our tax filings, no one said we would have to pay it back! If so, they shoulda just kept it. Yep, they hoodwinked us big time on this one. Considering the anti-tax climat in the country, it is hard to fathom that they thought we wouldn’t notice this. We should scream loud and often! A pensioner has enough on his/her budget plate without Uncle Sam sticking his sticky fingers into our wallets during tough times. Time to scream loud and often… To add insult to injury, when the tax cuts they blabbered about in December truly run out in another couple of years, we are going to be hurting, big time! How that helps the economy is beyond me… Better hunker down!
81
Lillie M. Latch Says:
January 31st, 2011 at 5:18 pm
What a shock. My husband retired from the Fed.government 14 years ago. Just got our annuity adjustment for 2011 and our Health Ins. went up $127. amonth and Fed. Tax $47.50 a month. We are now getting the same amount we got per month in 2002. No cola, but gas, groceries, etc. have all gone up. I am angry!! We are at the mercy of OBAMA CARE and I’m fed up. The government has gotten too big and wants to run everything. We need to get all these people out of office!! All they do is lie.
82
Ed Says:
January 31st, 2011 at 5:23 pm
I don’t know for certain if there is a particular political party behind this mess-up or not, but each person writing here should contact their rep or even senator, no matter which party and politely let them know you aren’t a happy camper with this unfair jolt. Granted, your letter will most likely never reach their eyes but you at least you did your part in a representative system. Who knows? We might get lucky!
83
Mike Says:
January 31st, 2011 at 6:24 pm
I wonder how many folks are in the same boat as us. My wife and I are both federal retirees and each had our withholdings increase by $47 per month. Prior to the extension of the Bush tax cuts, we planned to increase our monthly Thrift Savings Plan (TSP) withdraws to compensate for any tax hike. When the tax cuts were extended we figured we didn’t need to do this so naturally we missed the Dec 15th deadline for TSP withdraw increase for 2011. We’ll survive but we’ll need to tighten our budget for this year. How is that good for the economy? Maybe TSP should expand their open season this year for changing monthly withdrawals.
84
james Says:
January 31st, 2011 at 7:00 pm
WTF?????? I’m on a fixed pension also. Guess I’ll just add some dependants and the feds can wait for their money while I use it all year. Everybody should do the same. What other recourse do we have.
85
Fran Says:
January 31st, 2011 at 7:05 pm
Hello,
I am a federal retiree. My income taxes went up 85$ and my insurance went up 45$ so that is a total of $130.00 less each month on my retirement check. This government knows how to play dirty and increase your taxes even though the tax bill was defeated. I am ashame to say I work for this government. I worked 30 yrs for the federal govnment and they treat us like this. sad sad sad..God sees all of this…yes he does.
86
Mike Says:
January 31st, 2011 at 7:26 pm
I just saw this and got upset at first, especially since I just got my pension check net decrease. However, after thinking about this, I believe this is a non issue, although you will need to adjust withholding. There is a big difference between withholding amount and taxes owed. If all you have is pension income and no earned income (e.g. wages), then you didn’t get a Making Work Pay tax credit. Because you had less withheld last year in anticipation of the credit (built into the withholding tables – there was a separate pension adjustment in the tables of an extra $50 or so a month, but my company didn’t use it and it sounds like yours didn’t either), you will owe more or get a smaller refund when you do your taxes. This year, there is no more credit, so the withholding tables reflect that. You will owe less or get a larger refund next year. However, since cash flow is very important to us all, you should file another W-4P, withholding certificate for pension or annuity amounts. If you have specified additional withholding, like we have, reduce it correspondingly. If not, add more allowances to reduce the amount withheld per the instructions. Regardless, it should come out the same in the end. Hope this makes sense. Please feel free to poke holes in this if I am off base.
87
Dee Says:
January 31st, 2011 at 7:43 pm
Mike,

Yes, this makes sense to me. Next tax year we will owe less or get a larger refund because more is being withheld now. We could change the withholding amount if we want to. Thanks for the clarification, I can wrap my brain around this now.
88
Michael Mason Says:
January 31st, 2011 at 7:49 pm
Really, we are going to throw out the RICH thing again. If you will take the time to understand you will put the blame where it belongs, the folks that told you “NO TAX INCREASES FOR THE LITTLE GUY” Keep beliving the likes of Obama, Biden and Pelosi and you will see your entire Federal check go away because the Federal Govt. will be broke like California. The problem is not with the likes of Rush paying too little its the many useless Americans that never contribute to their own well beign or that of their Country.
89
Ed Says:
January 31st, 2011 at 7:50 pm
Is there some sorta verification that only the withholdings went up yet the taxes didn’t? I’d hate to reduce the withholdings then get an unpleasant surprise next year!
90
Ed Says:
January 31st, 2011 at 7:57 pm
Today is the one year anniversary of my wife’s federal retirement. Tonight is the electronic deposit of her twelfth, monthly stipend. Because of the increase in withholdings, this will be her smallest check of the whole lot. I have the health insurance taken out of my pension so her net loss is due to income tax, only. Sorry, Honey… I didn’t see it coming! This is gonna leave a bitter taste…
91
Doug Says:
January 31st, 2011 at 8:34 pm
Hi there, it sounds like most of you are retirees. Well Im an employer and I can tell you that you are not the only ones angry about this. We have done 3 payrolls this year and our paroll taxes Fed and State combined have gone up $6,200.00 to $8,900.00 per PAYROLL!. We are a manufacturing company in California our hours worked varies with orders but we can still do the math and tell you all that everybody got screwed not just the retirees and low incomes. Most of our workers are skilled craftsmen and have salaries rangeing from $17.00/hr – $56.00 also we pay 80% of their health insurance. Wait till we have to add that to their W2’s. You all take care and keep up the fight….
92
Mike Says:
January 31st, 2011 at 9:19 pm
Ed: Per my earlier comment (7:26pm), I looked at the IRS tax (not withholding) brackets or tables for 2010 and 2011 and saw that they are the same except for adjustments for inflation. Check for yourself or call the IRS to make sure. Of course, tax credits also impact this, and the Making Work Pay credit has expired. Not sure what else changed (for example, I thought I saw you can no longer increase your standard deduction for real estate taxes). What surprised me in all of this is when I looked back at the withholding tables for 2010. Right at the back of it, as I mentioned, is a section for adding back in extra withholding for pension income, as it didn’t qualify for the Making Work Pay credit. It looks like no one commenting here had this automatically adjusted by their pension administrator. Again, adjusting ones withholding can leave things the same for this year if so desired. I’m afraid that people with only pensions are going to get upset when they do this years taxes as they will be under-withheld.
93
Pete Says:
January 31st, 2011 at 9:35 pm
My wife and I are receiving a Railroad Retirement annuity. We received a letter today stating her withholding tax would increase $32.00 a month and mine will be increased by $50.00, a yearly increase of $984.00. Sure enough I just checked my bank account and our direct deposit for our pensions are $82.00 less than we normally receive. This was a total surprise and I have just e-mailed both our senators and representative to find out what is happening and why this was kept such a secret!
94
Debbie Says:
January 31st, 2011 at 10:43 pm
I’ve read all of your comments and noticed that almost all of them were from retirees. I’m a 62 year old Physical Education teacher in a Catholic School in Ohio, where I’ve been employed for 29 years. My income is at “poverty level,” and I struggle everyday..just to “survive.” I haven’t had health insurance for 19 years. I don’t seek medical treatment, unless I’m on “death’s doorstep,” since there would be NO MONEY to pay this bill. I REFUSE to go into debt, so I only occasionally use a credit card. I account DAILY for EACH & EVERY DOLLAR that I spend!! You can imagine my surprise when I saw that my Federal Taxes “DOUBLED!!” I had no idea this was happening. When I saw Congress extended the tax cuts, I “ASSUMED” that everything would stay the same. Sooooo, why did they NOT inform people about this, so we could not be so SHOCKED. It’s not just the retirees, it’s the “WORKING POOR,” like myself that has been affected. That extra $35 a pay ..that I won’t have, will really HURT me!! THANKS CONGRESS & OBAMA, or WHOEVER did this to us…not!!
95
Kathy Says:
January 31st, 2011 at 10:45 pm
I really just feel beat up. I can’t juggle and figure it all out anymore. No matter how hard I try, I keep thinking it has got to get better, well maybe a little better and it doesn’t. Does anyone in goverment land know that we are slipping away. Our grocery bill is getting larger by the second. ALL UTILITES, have gone up. Home & Car Insurance up. Property taxes, up. Cable TV up. Gasoline…YUK YUK YUK. WAY UP. Health Insurance-yup you guessed it up again this year. No help inflation? What an insult to hard working, I pay my own way Americans. VOTE? Vote for what THIS SH!t?
96
Linda Says:
January 31st, 2011 at 10:52 pm
If this indeed all comes out in the wash next year, why didn’t anyone explain this was going to happen this year? I was stunned. Communication is a good thing. Lack of communication is not. It causes confusion and distrust.
97
John Says:
January 31st, 2011 at 11:48 pm
I just got my retirement check and the fed tax went from $16 to over $64 this is a 300% increase. Must be an error. When called my retirement service center was told of a new tax table. Still 300% would be at least on the new if not a revolt.
98
Byron Higgins Says:
February 1st, 2011 at 10:01 am
I am retired and my check also decreased by $50. My wife still works and according to Mr. Obama we should have plenty to spend since the wonderful Federal govt. cut the social security taxes for this year. Well after her fed withholding went up not much of an increase. I think Obama should get on Tv and explain how this is helping. I, like millions more, am looking forward to the next election. We can get rid of all the rest of the Washington trash.
99
Lee Says:
February 1st, 2011 at 10:12 am
No matter what caused this, and that it will all work out in the end when you file your taxes…there should have been better communication about the withholding going up. Most people live from month to month that are retired and yes, they can fix it by changing their allowances but what a shock without being told what is happening!!! Most people can’t keep up with the tax laws and system changes because its so complicated and convoluted. And we were told the Bush tax cuts were extended, and I don’t recall hearing anything about the ‘make work pay, ending. But then, look at all the behind closed doors decisions being made the past 2 years…and we find out later. Yes, this causes distrust!! And if “Obamacare’ actually survives, just wait and see what else happens to our taxes!!!!!
100
D Duncan Says:
February 1st, 2011 at 10:14 am
This was determined before the Republican Congress came in. Thank you again Barry! You are a nightmare!

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