How do you know if your employer is taking out enough taxes?

To determine if your employer is withholding enough taxes, check your pay stub for the federal, state, and local tax deductions. Compare these with the IRS withholding tables based on your filing status and allowances. You can also use the IRS Tax Withholding Estimator tool online for a more accurate assessment. Finally, review your tax return after filing to see if you owe money or receive a refund, which can indicate if your withholding was appropriate.