You are required/supposed to pay 90% of your Federal Income Tax either quarterly or thought payroll deduction to avoid a potential penalty. Adjust your W-4 with your payroll office so you only prepay the amount needed to meet the 90%. Or, take last years refund and divide it by 12, and reduce the amount withheld from your check by that amount.

Then when tax time comes around, wait until the IRS deadline to file your taxes and send them a check for what you owe.

STOP GIVING THE GOVERNMENT FREE USE OF YOUR HARD EARNED MONEY.

IT'S YOUR MONEY, PUT IT TO WORK FOR YOU AND YOUR FAMILY. NOT THE FUCKIN GOVERNMENT!

More information can be found here - https://www.irs.gov/individuals/employees/tax-withholding