Internal Revenue Service (IRS) · United States

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Form W-4P, Withholding Certificate for Periodic Pension or Annuity Payments

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Quick answer

IRS Form W-4P, Withholding Certificate for Periodic Pension or Annuity Payments, tells the payer of your pension, annuity, or IRA how much federal income tax to withhold from each periodic payment. Retirees and others receiving recurring retirement income file it with their payer. JustFill lets you fill Form W-4P online for free, no Adobe required.

Form
Form W-4P
Issued by
Internal Revenue Service (IRS)
Country
United States
Free allowance
First clean download
Official edition
2026 Form W-4P
Source checked

What is Form W-4P?

Form W-4P is the IRS withholding certificate you give to the company or plan that pays your pension, annuity, profit-sharing or stock-bonus distributions, or periodic IRA payments. It tells the payer how much federal income tax to withhold from each payment so you neither owe a large bill nor over-withhold during the year. The form was redesigned to mirror Form W-4: Step 1 collects your name, address, SSN, and filing status; Step 2 accounts for income from a job or multiple pensions; Step 3 claims the child tax credit and credit for other dependents; and Step 4 lets you add other income, deductions, or extra withholding per payment. You sign in Step 5. JustFill opens the official Form W-4P in your browser, uses AI to detect every step, box, and signature line, and lets you type or dictate your answers onto the PDF, even a scanned copy, with no Adobe Acrobat needed.

Download the Form W-4P form PDF — free

The official Form W-4P PDF is free to download from irs.gov under About Form W-4P, along with the instructions printed on the form itself. JustFill opens that same official PDF in your browser so you can complete it without printing or installing Adobe.

Get the official Form W-4P PDF from Internal Revenue Service (IRS)

Who fills out Form W-4P?

  • A retiree starting monthly pension payments who wants the right amount of federal tax withheld from each check.
  • An annuity holder receiving periodic commercial-annuity payments who needs to set or change withholding.
  • A taxpayer taking recurring (periodic) IRA distributions who wants tax withheld at the source.
  • A married filer who also has wages from a job and must account for that income in Step 2 to avoid under-withholding.
  • A pensioner who wants to claim dependent credits or request extra withholding to cover other untaxed income.

Field-by-field breakdown

What each section of Form W-4P asks for. JustFill’s AI will detect these fields automatically when you upload the PDF — review the breakdown below so you know what to enter.

Step 1(a) — Personal information

Your first name and middle initial, last name, and full mailing address (city/town, state, ZIP).

Step 1(b) — Social Security number

Your SSN, which must match the name shown for the withholding to apply correctly.

Step 1(c) — Filing status

Check Single or Married filing separately; Married filing jointly or Qualifying surviving spouse; or Head of household.

Step 2 — Income from a job and/or multiple pensions

Account for income from a job, a spouse's income, or other pensions/annuities so total withholding is accurate.

Step 3 — Claim dependent and other credits

Multiply qualifying children under 17 by $2,200 and other dependents by $500, and add any other credits.

Step 4(a) — Other income

Enter other income not from jobs or pension payments (such as interest, dividends, or taxable Social Security) you want tax withheld on.

Step 4(b)-4(c) — Deductions and extra withholding

Deductions beyond the standard amount (4b) and any additional flat tax to withhold from each payment (4c).

Step 5 — Sign here

Your signature and date; the form is not valid unless you sign it before giving it to your payer.

Common mistakes to avoid

  • 1Leaving the form unsigned in Step 5 — Form W-4P is not valid and the payer cannot use it without your signature.
  • 2Skipping Step 2 when you also have a job or a second pension, which usually causes too little tax to be withheld across all sources.
  • 3Confusing W-4P with Form W-4V; periodic pension and annuity withholding goes on W-4P, while W-4V is for Social Security and other government payments.

Form W-4P example — what a filled-out form looks like

A fictional retired teacher receiving a $3,800 monthly pension payment completes Form W-4P with Married Filing Jointly status and $75 extra withholding per month.

Step 1 — Personal Information & Filing Status

SAMPLE, ROBERT H · 140 Sample Birch Rd, Madison, WI 53703 · SSN •••-••-7712 · ☑ Married filing jointly

Establishes the standard deduction and tax bracket tables the pension payer uses.

Step 2 — Income From a Job and/or Multiple Pensions

Left blank (this pension is the household's sole periodic retirement income)

Completed only when the recipient has multiple pensions or concurrent wage income.

Step 4(c) — Extra withholding

$75.00

Requests an additional $75 withheld from each monthly pension payment.

Step 5 — Sign Here

Signed and dated by Robert H. Sample

Submitted to the pension plan payer (never mailed to the IRS).

These values are made up. They are here to show what belongs on each line, not to be copied — every name, number, and address on your own Form W-4P has to be your own.

How JustFill helps you complete Form W-4P

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PDF, Word (.docx), JPG, PNG, WebP, HEIC, GIF and BMP. Free account required, no credit card.

Your first download is free, with no watermark. After that: a watermark, or a $7 one-time pack (5 clean PDF downloads + 25 AI credits). AI detection covers up to 15 pages per run.

By uploading, you confirm you have the legal right to use this document.

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Frequently asked questions

Yes. The IRS publishes Form W-4P for free on irs.gov. JustFill also lets you fill it online at no cost.
Open the IRS About Form W-4P page and download the current-year PDF, or load it directly into JustFill to fill it in your browser.
Yes. JustFill loads the official Form W-4P PDF, detects each step and box with AI, and lets you type or dictate your entries, no Adobe needed.
It tells the payer of your pension, annuity, or periodic IRA payments how much federal income tax to withhold from each payment.
You give the completed, signed form to the payer of your pension or annuity, not to the IRS; the payer keeps it on file.
W-4P sets withholding on periodic pension and annuity payments, while W-4V handles voluntary withholding on Social Security and certain government payments. JustFill can open either.

Official source: Form W-4P on Internal Revenue Service (IRS)’s website

Edition checked: 2026 Form W-4P. Verified against the official source on .

JustFill is an independent product and is not affiliated with, endorsed by, or sponsored by Internal Revenue Service (IRS) or any government agency. Always verify your completed form on the official version before signing or submitting.