The money deducted from my pay check was lower than I have expected. I was worried that I might need to pay extra tax when filing claims next year. But after I checked the MSNBC Tax calculator, it looks okay, if you make 120k a year and you are single, you pay 30095 as Fed tax, which is about 25%. I think there must be a discrepency between your software and the MSNBCs, here is the link: http://www.msnbc.com/modules/budget/tcalculator.asp.