Are you losing money trying to save?

You probably know this, but if you overwithhold income tax by claiming fewer dependents, you will get money back on your income tax check,.  Do you realize that you will have loned the US government your money and receive no interest for it.  You could have been making some interest if you would figure up the difference and have a payroll deduction for that amount sent directly to your savings account.  Your paycheck will look the same, and you will have capitalized on this savings opportunity.