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<!doctype html>
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<!doctype html><html lang="en"><head><meta charset="utf-8"><meta name="viewport" content="width=device-width,initial-scale=1"><title>FUTA Credit Reduction True-Up 2026 - Form 940 Schedule A extra tax by state</title><meta name="description" content="Your payroll system accrues FUTA at 0.6%. The Department of Labor announces the credit reduction on November 10, 2026 - and it applies retroactively to every wage dollar you already paid this year."><style>*{box-sizing:border-box}
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:root{color-scheme:light dark}
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body{font:14px/1.5 system-ui,-apple-system,"Segoe UI",sans-serif;margin:0;padding:14px;min-width:320px}
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h1{font-size:1.05rem;margin:0 0 .2rem}
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.sub{opacity:.75;margin:0 0 .9rem;font-size:.86rem}
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label{display:block;margin:.55rem 0 .2rem;font-weight:600;font-size:.86rem}
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.u{font-weight:400;opacity:.65}
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input,select{width:100%;padding:.4rem .5rem;border:1px solid #8886;border-radius:7px;
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background:transparent;color:inherit;font:inherit}
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input[type=checkbox]{width:auto}
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table{border-collapse:collapse;width:100%;margin-top:.9rem;font-size:.9rem}
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th,td{border:1px solid #8884;padding:.36rem .5rem;text-align:left}
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td.v{font-variant-numeric:tabular-nums;font-weight:600}
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.f{border:1px solid #8884;border-radius:9px;padding:9px 11px;margin:.5rem 0;font-size:.87rem}
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.buy{margin-top:18px;border:1px solid #8884;border-radius:10px;padding:13px}
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.buy a{display:inline-block;margin-top:.5rem;padding:.45rem .9rem;border:1px solid currentColor;
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border-radius:8px;text-decoration:none;color:inherit;font-weight:600}
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body{max-width:720px;margin-inline:auto;padding:22px}</style><script defer data-auto-init src="https://cdn.jsdelivr.net/npm/@polar-sh/checkout@latest/dist/embed.global.js"></script><script data-grow-initializer="">!(function(){window.growMe||((window.growMe=function(e){window.growMe._.push(e);}),(window.growMe._=[]));var e=document.createElement("script");(e.type="text/javascript"),(e.src="https://faves.grow.me/main.js"),(e.defer=!0),e.setAttribute("data-grow-faves-site-id","U2l0ZTphZjljMzgyMC0yMmU5LTRhYjgtYTIxNS03OTRhMGY1N2ExYzM=");var t=document.getElementsByTagName("script")[0];t.parentNode.insertBefore(e,t);})();</script>
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<!--yj-canon-s101--><link rel="canonical" href="https://getreadystack.com/tools/futa-credit-reduction-2026"></head><body>
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<h1>FUTA credit reduction true-up</h1>
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<p class="sub">Your payroll system accrues FUTA at 0.6%. The Department of Labor announces the credit reduction on November 10, 2026 - and it applies retroactively to every wage dollar you already paid this year.</p>
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<label for="state_scenario">State and credit reduction rate</label><select id="state_scenario" data-k="state_scenario"><option value="CA-1.2">California - 1.2% (confirmed, tax year 2025)</option><option value="CA-1.5" selected>California - 1.5% (2026 step, if the loan is unpaid on Nov 10, 2026)</option><option value="VI-4.5">U.S. Virgin Islands - 4.5% (confirmed, tax year 2025)</option><option value="VI-4.8">U.S. Virgin Islands - 4.8% (2026 step, if the loan is unpaid)</option><option value="NY-0.0">New York - 0.0% (loan repaid, no reduction for 2025)</option><option value="NONE-0.0">No credit reduction in this state - 0.0%</option></select>
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<label for="employees_in_state">Employees paid in that state this year <span class="u">people</span></label><input type="number" id="employees_in_state" data-k="employees_in_state" value="40" step="any">
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<label for="avg_annual_wages_usd">Average annual wages per employee <span class="u">USD</span></label><input type="number" id="avg_annual_wages_usd" data-k="avg_annual_wages_usd" value="62000" step="any">
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<label for="accrued_rate_pct">FUTA rate your payroll system has been accruing <span class="u">%</span></label><input type="number" id="accrued_rate_pct" data-k="accrued_rate_pct" value="0.6" step="any">
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<label for="planned_payment_date">Date you will actually pay Form 940</label><input type="date" id="planned_payment_date" data-k="planned_payment_date" value="2027-02-01">
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<table><tr><th>State</th><td class="v" data-o="state_code">—</td></tr><tr><th>Credit reduction applied</th><td class="v" data-o="credit_reduction_rate">—</td><td>%</td></tr><tr><th>FUTA-taxable wages (first $7,000 each)</th><td class="v" data-o="futa_taxable_wages">—</td><td>USD</td></tr><tr><th>FUTA at the normal 0.6%</th><td class="v" data-o="normal_futa">—</td><td>USD</td></tr><tr><th>Extra tax from the credit reduction</th><td class="v" data-o="extra_futa">—</td><td>USD</td></tr><tr><th>Extra per employee</th><td class="v" data-o="per_employee_extra">—</td><td>USD</td></tr><tr><th>Total FUTA owed on Form 940</th><td class="v" data-o="total_futa">—</td><td>USD</td></tr><tr><th>Shortfall against what you accrued</th><td class="v" data-o="accrual_gap">—</td><td>USD</td></tr><tr><th>Days after the February 1, 2027 deadline</th><td class="v" data-o="days_vs_deadline">—</td><td>days</td></tr><tr><th>Late-payment penalty at 0.5% per month</th><td class="v" data-o="late_payment_penalty">—</td><td>USD</td></tr></table>
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<div style="margin:.6rem 0 1rem;padding:.7rem .85rem;border:1px solid #8886;border-radius:9px"><b>Keep this result.</b> Export the worked figures as a .csv you keep, and set November 10 and February 1 alarms that fire in the browser without you opening the tool. $60 once · one licence key per person or team seat · An outside payroll accountant re-runs Form 940 Schedule A for one to two billable hours at US bookkeeping rates of $50-$150 per hour.<br><a href="https://buy.polar.sh/polar_cl_cbPBgCXdkFkwfSXMhIEE5ckm2MUF13khHw5b21sJPC5" data-polar-checkout data-polar-checkout-theme="light">Get the full version — CSV export and deadline alarms — $60 →</a></div>
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<div class="f"><b>Caps every worker at the first $7,000</b><br>FUTA is charged on the first $7,000 of each employee's wages, not on total payroll. This is the single line people get wrong when they estimate the credit reduction on a spreadsheet.</div><div class="f"><b>2025 confirmed rates and the 2026 step</b><br>Carries the confirmed tax-year-2025 rates (California 1.2%, U.S. Virgin Islands 4.5%) and the 0.3-point step each would take for 2026 if the state loan is still unpaid on November 10, 2026, so you can budget both.</div><div class="f"><b>Compares what you set aside with what you owe</b><br>You enter the rate your payroll system has been accruing at - usually 0.6% - and the tool shows the dollar shortfall you have to find before the return is due.</div><div class="f"><b>Form 940 deadline and late-payment penalty</b><br>Form 940 for tax year 2026 is due February 1, 2027. Enter the date you will actually pay and the tool applies the 0.5%-per-month late-payment penalty, capped at 25%.</div><div class="f"><b>Runs entirely in the browser</b><br>Payroll headcounts and wage figures never leave the machine. The only outbound request the extension ever makes is licence-key validation.</div>
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<script>function compute(v){
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var s = String(v.state_scenario || 'CA-1.5').split('-');
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var code = s[0];
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var cr = parseFloat(s[1]);
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if (!(cr >= 0)) { cr = 0; }
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var emp = Math.floor(Number(v.employees_in_state) || 0);
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if (emp < 0) { emp = 0; }
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var avg = Number(v.avg_annual_wages_usd) || 0;
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if (avg < 0) { avg = 0; }
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var accrued = Number(v.accrued_rate_pct);
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if (!(accrued >= 0)) { accrued = 0; }
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var perHead = avg < 7000 ? avg : 7000;
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var base = perHead * emp;
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var normal = base * 0.006;
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var extra = base * (cr / 100);
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var total = normal + extra;
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var setAside = base * (accrued / 100);
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var gap = total - setAside;
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var perEmp = emp > 0 ? extra / emp : 0;
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var due = Date.UTC(2027, 1, 1);
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var p = String(v.planned_payment_date || '2027-02-01').split('-');
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var yy = parseInt(p[0], 10); if (!(yy > 0)) { yy = 2027; }
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var mm = parseInt(p[1], 10); if (!(mm > 0)) { mm = 2; }
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var dd = parseInt(p[2], 10); if (!(dd > 0)) { dd = 1; }
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var pay = Date.UTC(yy, mm - 1, dd);
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var days = Math.round((pay - due) / 86400000);
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var monthsLate = days > 0 ? Math.ceil(days / 30) : 0;
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var pctPen = monthsLate * 0.5;
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if (pctPen > 25) { pctPen = 25; }
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var penalty = total * (pctPen / 100);
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function r2(x){ return Math.round(x * 100) / 100; }
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return {
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state_code: code,
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credit_reduction_rate: r2(cr),
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futa_taxable_wages: r2(base),
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normal_futa: r2(normal),
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extra_futa: r2(extra),
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per_employee_extra: r2(perEmp),
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total_futa: r2(total),
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accrual_gap: r2(gap),
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days_vs_deadline: days,
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late_payment_penalty: r2(penalty)
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};
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}</script><script>(function(){
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function read(){var v={};document.querySelectorAll('[data-k]').forEach(function(el){
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var k=el.dataset.k;v[k]=el.type==='checkbox'?el.checked:(el.type==='number'?parseFloat(el.value):el.value);});
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return v;}
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function paint(){var r={};try{r=compute(read())||{};}catch(e){r={};}
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document.querySelectorAll('[data-o]').forEach(function(el){
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var x=r[el.dataset.o];el.textContent=(x===undefined||x===null)?'\u2014':String(x);});}
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document.addEventListener('input',paint);document.addEventListener('change',paint);paint();
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})();</script>
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<section data-yj-install="free" style="margin:2rem auto 1rem;max-width:46rem;padding:1.25rem 1.25rem;border:1px solid #cfe3d6;border-radius:12px;background:#f6fbf8;font:16px/1.6 system-ui,-apple-system,Segoe UI,sans-serif"><h2 style="margin:0 0 .4rem;font-size:1.2rem">Install free</h2><p style="margin:0 0 .8rem;color:#41505f">Free for the file open in your editor - no key, no limit. The workspace sweep and the report ask for a key.</p><a href="https://microsoftedge.microsoft.com/addons/detail/peicpnchhcheiahikmjfhbknlkpcoafp" rel="noopener" data-yj-install-door="edge" onclick="try{navigator.sendBeacon('/api/ev',new Blob([JSON.stringify({t:'install',slug:'futa-credit-reduction-2026',src:'edge',path:location.pathname})],{type:'application/json'}))}catch(e){}" style="display:inline-block;margin:0 .5rem .5rem 0;padding:.6rem 1rem;border-radius:8px;background:#0f7b3f;color:#fff;text-decoration:none;font-weight:600">Microsoft Edge Add-ons</a></section>
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<section data-yj-alert="rule" style="margin:1rem auto 1.5rem;max-width:46rem;padding:1.1rem 1.25rem;border:1px solid #d9dee6;border-radius:12px;background:#fbfcfd;font:15px/1.55 system-ui,-apple-system,Segoe UI,sans-serif"><b style="font-size:1.05rem">Get one email when this rule changes</b><div style="opacity:.78;margin:.35rem 0 .8rem">We watch the regulation and vendor sources behind FUTA Credit Reduction True-Up 2026 - Form 940 Schedule A extra tax by state every day. When a rule changes, you get a single email with what changed and the updated check. No newsletter.</div><div style="display:flex;gap:8px;flex-wrap:wrap"><input id="yjae" type="email" placeholder="you@example.com" style="flex:1;min-width:210px;padding:11px 13px;border:1px solid rgba(140,150,165,.34);border-radius:8px;background:#fff;color:inherit"><button id="yjab" style="padding:11px 18px;border-radius:8px;border:0;cursor:pointer;background:#0f7b3f;color:#fff;font:600 15px system-ui,sans-serif">Notify me</button></div><div id="yjao" hidden style="margin-top:.6rem;color:#0f7b3f">You're on the list. One email when it changes.</div><script>(function(){var b=document.getElementById("yjab"),e=document.getElementById("yjae");if(!b||!e)return;b.addEventListener("click",function(){var v=e.value.trim();if(!/.+@.+\..+/.test(v))return;try{localStorage.setItem("yj_em","1");}catch(_){}fetch(location.origin+"/api/subscribe",{method:"POST",headers:{"Content-Type":"application/json"},body:JSON.stringify({email:v,slug:"futa-credit-reduction-2026",lang:"en",source:"rule_alert"})}).then(function(r){var o=document.getElementById("yjao");o.hidden=false;if(!r.ok){o.textContent="Could not save - please try again.";}}).catch(function(){var o=document.getElementById("yjao");o.hidden=false;o.textContent="Could not save - please try again.";});});})();</script></section>
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<section data-yj-cta="paid" style="margin:3rem auto;max-width:46rem;padding:1.5rem 1.25rem;border:1px solid #d8dee9;border-radius:12px;background:#fbfcfe;font:16px/1.6 system-ui,-apple-system,Segoe UI,sans-serif"><h2 style="margin:0 0 .5rem;font-size:1.25rem">Get the complete version <span class="yj-price">$60</span></h2><p style="margin:.25rem 0 1rem;color:#41505f">This page is the working piece. The full pack has everything below.</p><p style="margin:0 0 1rem;color:#41505f">Your payroll system accrues FUTA at 0.6%. The Department of Labor announces the credit reduction on November 10, 2026 - and it applies retroactively to every wage dollar you already paid thi</p><p style="margin:0 0 1rem;color:#5b6b7c;font-size:.94rem">An outside payroll accountant re-runs Form 940 Schedule A for one to two billable hours at US bookkeeping rates of $50-$150 per hour.</p><a href="https://buy.polar.sh/polar_cl_cbPBgCXdkFkwfSXMhIEE5ckm2MUF13khHw5b21sJPC5" rel="nofollow" style="display:inline-block;padding:.7rem 1.3rem;border-radius:8px;background:#1b64f2;color:#fff;text-decoration:none;font-weight:600">Buy the full version — $60</a></section>
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<section data-yj="yj-facts-v1" style="max-width:920px;margin:48px auto 0;padding:0 20px;font-family:system-ui,sans-serif"><style>.yj-article p{font:400 15.5px/1.7 system-ui,sans-serif;color:#26313b;margin:0 0 12px;max-width:72ch}.yj-article h2,.yj-article h3,.yj-article h4{font:600 17px/1.35 system-ui,sans-serif;color:#1b1f24;margin:22px 0 8px}.yj-article table{border-collapse:collapse;margin:10px 0 16px;font:14px/1.45 system-ui,sans-serif}.yj-article th,.yj-article td{border:1px solid #e2e6ea;padding:6px 10px;text-align:left}.yj-article th{background:#f4f6f8}.yj-article pre{background:#0f1720;color:#e6edf3;padding:12px 14px;border-radius:8px;overflow:auto;font:13px/1.5 ui-monospace,Menlo,monospace}.yj-article code{font:13px ui-monospace,Menlo,monospace;background:#f1f3f5;padding:1px 4px;border-radius:3px}.yj-article pre code{background:none;padding:0}.yj-article ul,.yj-article ol{font:15px/1.6 system-ui,sans-serif;color:#26313b}</style><h2 style="font:600 21px/1.3 system-ui,sans-serif;margin:34px 0 6px;color:#1b1f24">Questions people ask</h2><details style="border-bottom:1px solid #e6e9ed;padding:10px 0"><summary style="cursor:pointer;font:600 15px/1.4 system-ui,sans-serif;color:#1b1f24">What does the FUTA credit reduction calculator actually do?</summary><p style="margin:8px 0 2px;font:400 14.5px/1.6 system-ui,sans-serif;color:#33404b">It takes your headcount in one state, your average wage, and the credit reduction rate, then charges FUTA correctly: 0.6% plus the reduction on the first $7,000 of each employee's wages, not on total payroll. It returns the extra tax, the extra per employee, the shortfall against your accrual, and the late-payment penalty if you pay after February 1, 2027.</p></details><details style="border-bottom:1px solid #e6e9ed;padding:10px 0"><summary style="cursor:pointer;font:600 15px/1.4 system-ui,sans-serif;color:#1b1f24">Who is this for?</summary><p style="margin:8px 0 2px;font:400 14.5px/1.6 system-ui,sans-serif;color:#33404b">US employers, in-house payroll managers and bookkeepers who run wages in California or the U.S. Virgin Islands - the two jurisdictions carrying a FUTA credit reduction for tax year 2025. It matters most to seasonal, hourly and high-turnover employers, because the reduction is charged per employee on the first $7,000, so headcount drives the bill, not payroll size.</p></details><details style="border-bottom:1px solid #e6e9ed;padding:10px 0"><summary style="cursor:pointer;font:600 15px/1.4 system-ui,sans-serif;color:#1b1f24">Why not just ask a chatbot or use a free calculator?</summary><p style="margin:8px 0 2px;font:400 14.5px/1.6 system-ui,sans-serif;color:#33404b">The credit reduction list changes every year and is only settled after November 10. Language models still name New York and Connecticut as reduction states from older training data, and generic free FUTA calculators apply one flat 0.6% with no reduction field at all. Both give you a number that is wrong in the direction that costs money.</p></details><details style="border-bottom:1px solid #e6e9ed;padding:10px 0"><summary style="cursor:pointer;font:600 15px/1.4 system-ui,sans-serif;color:#1b1f24">What is free and what needs the key?</summary><p style="margin:8px 0 2px;font:400 14.5px/1.6 system-ui,sans-serif;color:#33404b">Every calculation is free, with no key, no watermark and no usage limit: run any state, any headcount, any wage, as often as you like. The $60 key adds two things on a different axis - a .csv export of the worked figures that you keep, and browser alarms for the November 10 announcement and the February 1 filing date.</p></details><details style="border-bottom:1px solid #e6e9ed;padding:10px 0"><summary style="cursor:pointer;font:600 15px/1.4 system-ui,sans-serif;color:#1b1f24">What would this cost me otherwise?</summary><p style="margin:8px 0 2px;font:400 14.5px/1.6 system-ui,sans-serif;color:#33404b">Having an outside payroll accountant re-run Form 940 Schedule A is one to two billable hours at typical US bookkeeping rates of $50-$150 an hour, and you pay it again each year the list changes. If the shortfall means you under-deposit, the IRS late-payment penalty is 0.5% of the unpaid tax per month, capped at 25%.</p></details><script type="application/ld+json" data-yj="yj-faq-ld">{"@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [{"@type": "Question", "name": "What does the FUTA credit reduction calculator actually do?", "acceptedAnswer": {"@type": "Answer", "text": "It takes your headcount in one state, your average wage, and the credit reduction rate, then charges FUTA correctly: 0.6% plus the reduction on the first $7,000 of each employee's wages, not on total payroll. It returns the extra tax, the extra per employee, the shortfall against your accrual, and the late-payment penalty if you pay after February 1, 2027."}}, {"@type": "Question", "name": "Who is this for?", "acceptedAnswer": {"@type": "Answer", "text": "US employers, in-house payroll managers and bookkeepers who run wages in California or the U.S. Virgin Islands - the two jurisdictions carrying a FUTA credit reduction for tax year 2025. It matters most to seasonal, hourly and high-turnover employers, because the reduction is charged per employee on the first $7,000, so headcount drives the bill, not payroll size."}}, {"@type": "Question", "name": "Why not just ask a chatbot or use a free calculator?", "acceptedAnswer": {"@type": "Answer", "text": "The credit reduction list changes every year and is only settled after November 10. Language models still name New York and Connecticut as reduction states from older training data, and generic free FUTA calculators apply one flat 0.6% with no reduction field at all. Both give you a number that is wrong in the direction that costs money."}}, {"@type": "Question", "name": "What is free and what needs the key?", "acceptedAnswer": {"@type": "Answer", "text": "Every calculation is free, with no key, no watermark and no usage limit: run any state, any headcount, any wage, as often as you like. The $60 key adds two things on a different axis - a .csv export of the worked figures that you keep, and browser alarms for the November 10 announcement and the February 1 filing date."}}, {"@type": "Question", "name": "What would this cost me otherwise?", "acceptedAnswer": {"@type": "Answer", "text": "Having an outside payroll accountant re-run Form 940 Schedule A is one to two billable hours at typical US bookkeeping rates of $50-$150 an hour, and you pay it again each year the list changes. If the shortfall means you under-deposit, the IRS late-payment penalty is 0.5% of the unpaid tax per month, capped at 25%."}}]}</script><div id="yj-ask" style="margin:36px 0 0;padding:18px 18px 16px;border:1px solid #e2e6ea;border-radius:10px;background:#fbfbfc"><h2 style="font:600 19px/1.3 system-ui,sans-serif;margin:0 0 4px;color:#1b1f24">Ask about this tool</h2><p style="font:400 13.5px/1.5 system-ui,sans-serif;margin:0 0 12px;color:#5b6570">One question, answered by the person who built it. 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