Yeah, generally you want to owe. Otherwise you are giving the gov an interest free loan. And losing out on any interest you might get on that money. This year I had some wonky job stuff go down, and they significantly over withheld on a chunk of my money. Not sure I had any say in it at all. So big refund from the feds. Oddly, as always seems to be the case, my state return was a tiny refund. High state income tax and no sales tax will do that.