Why did my employer underpaid my taxes?

Asked by: Naomi Witting  |  Last update: October 24, 2025
Score: 4.6/5 (20 votes)

If an employer calculates an employee's tax withholding based on the wrong wage or salary, it can result in an underpayment. This sometimes happens when an employee received a promotion or pay raise during the tax year and the employer failed to adjust the employee's tax withholding after.

Why did my employer take out less taxes?

The amount of tax withheld from your pay depends on what you earn each pay period. It also depends on what information you gave your employer on Form W-4 when you started working. This information, like your filing status, can affect the tax rate used to calculate your withholding.

What if your employer messes up your taxes?

Taxpayers use a Form 940 for correcting a previously filed return by checking the amended return box in the top right corner of the Form 940. Employers should use the corresponding "X" forms listed below to correct employment tax errors as soon as they are discovered.

What happens if your employer messes up your tax withholding?

If the amount under/over withheld is deemed too excessive, the IRS can send a lock-in letter notifying the employer how to adjust withholding regardless of the employee's W4 requests. If a W-4 error is caught before filing, individuals can correct this relatively easily by refiling a W-4 with their employer.

Why is it saying I underpaid my taxes?

If you didn't pay enough tax throughout the year, either through withholding or by making estimated tax payments, you may have to pay a penalty for underpayment of estimated tax.

Employer Messed Up My Tax Withholding! What Can I Do?

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What are the rules for underpayment of taxes?

Taxpayers must generally pay at least 90% of their taxes due during the previous year to avoid an underpayment penalty. The fine can grow with the size of the shortfall. Taxpayers can consult IRS instructions for Form 2210 to determine whether they're required to report an underpayment and pay a penalty.

Why did I get less than I was supposed to on my taxes?

If you owe money to a federal or state agency, the federal government may use part or all of your federal tax refund to repay the debt. This is called a tax refund offset. If your tax refund is lower than you calculated, it may be due to a tax refund offset for an unpaid debt such as child support.

What do I do if my employer is not correcting my W-2?

Call the IRS toll free at 800-829-1040 or make an appointment to visit an IRS taxpayer assistance center (TAC). The IRS will send your employer a letter requesting that they furnish you a corrected Form W-2 within ten days.

Is it illegal for an employer to change your tax withholding?

Once a lock-in rate is effective, an employer cannot decrease withholding unless approved by the IRS.

Can you sue a company for messing up your taxes?

You may be able to sue a tax preparation company for negligence, negligent hiring, breach of contract, and fraud.

How to correct payroll underpayment?

Pay as Soon as Possible

While there is no way to “undo” the legal violation for the underpayment, the best practice is to immediately pay all wages due to the employee as soon as the error is discovered. This shows a good faith effort to comply with the law, rather than a willful failure to pay wages.

What are the consequences of a company that incorrectly reporting withholding payroll taxes?

Businesses that violate employment tax laws may be subject to: Monetary penalties. Interest on back taxes. Liens against property.

Is it better to claim 1 or 0 on your taxes?

By placing a “0” on line 5, you are indicating that you want the most amount of tax taken out of your pay each pay period. If you wish to claim 1 for yourself instead, then less tax is taken out of your pay each pay period.

What happens if your employer doesn't pay your federal taxes?

Report Your Employer: If you do not receive a W-2 and believe that your employer is committing tax fraud, report your employer to the three government agencies that collect taxes – California's EDD, the Federal IRS, and the Federal Social Security Administration. See the Remedies section below.

What happens when too little tax is withheld from employees?

Too little can lead to a tax bill or penalty. Too much can mean you won't have use of the money until you receive a tax refund.

What if my employer is not withhold the correct taxes?

If your employer didn't have federal tax withheld, contact them to have the correct amount withheld for the future. When you file your tax return, you'll owe the amounts your employer should have withheld during the year as unpaid taxes. You may need a corrected Form W-2 reflecting additional FICA earnings.

How to know if W-2 is correct?

There are three easy steps to make sure your W-2 is correct:
  1. Check the spelling of your name. No nicknames here — you'll want to ensure your full name is spelled out.
  2. Verify that your social security number is listed correctly.
  3. Double-check that your taxable wages are correct.

Can you sue an employer for withholding your W-2?

If an employer fails to send a W2 or sends it late, the employee cannot directly sue them. 3. The IRS should be contacted if an employer doesn't send a W2 by January 31st, they can issue fines or penalties to the employer.

What if my employer did my taxes wrong?

Ask your employer to correct the error. If your employer doesn't correct it by the end of February, you should either: Call us at 800-829-1040. Make an appointment at an IRS Taxpayer Assistance Center.

Who is responsible for unpaid payroll taxes?

If an employer's business ultimately fails and cannot pay the IRS the payroll taxes, the IRS, under the authority of IRC § 6672, will seek to collect the withheld taxes from any “responsible person” of the employer (e.g., an officer, director, shareholder [or another owner,] or bookkeeper with signature authority over ...

How much should employer withhold for taxes?

Social Security and Medicare taxes are fixed-rate taxes you withhold from your employees' wages and pay on behalf of your employees. Social Security is 6.2% for both employee and employer (for a total of 12.4%). Medicare is 1.45% for both employee and employer, totaling a tax of 2.9%.

Why didn't I get my full federal tax refund?

If your refund was less than you expected, it may have been reduced by the IRS or a Financial Management Service (FMS) to pay past-due child support, federal agency nontax debts, state income tax obligations, or unemployment compensation debts owed to a state.

Why did I get so much less on my taxes?

Different refund amount

Sometimes, you'll receive a refund that's either more or less than you expected. Common reasons include changes to a tax return or a payment of past due federal or state debts.

Why am I getting $0 on my tax return?

A zero-tax refund actually means you're doing something right. Financial experts espouse that this is a good thing because you haven't given the IRS the use of more money through withholdings each month than you'll owe.