Ok, I'm trying to understand what is happening in that calculation.
We don't have any really big changes. Pay raises in the range of 3-5%, slightly lower interest on home mortgage, etc.
Non of the things we can control are the big drivers or make any difference more than 3-5% on the estimators.
(We're trying figure out the taxes since HCBW has a part time job and that complicates everything)

So, it looks like it is something BIG in the background calculation.

Are there big changes in the tax laws for 2024 that are going to make a 15% change in Taxes owed?
(trying to stay out of the political category, but is that the expiration of the Trump Tax cuts, or is it something else?)

I don't think we changed tax brackets or anything like that with just a nominal 5% raise.

IF next year really is 15% higher taxes, then we really do need to figure out how to pay ALOT more than current withholding.
BUT if that is the case in the tax estimating software, why isn't my company's tax withholding software telling my company to take out 15% more taxes?

We tried the H&RBlock that we use every year, and got the 15% increase
(CORRECTION) and we tried the IRS withholding calculator, and got similar numbers to this year (1 to 2% increase)
So, we're confused...