Nice thought but it's not possible. If you have an employer payroll taxes are paid every pay period. If you do your deductions properly you can minimize "loaning" the government money and come really close to even. I don't claim the standard deductions because I want my money in my paycheck and I don't want them to use it free of charge for a year until I get a refund. Every year I've come within $24 to $85 of being even. I don't owe or get a big refund and they don't get to use my money for free. If you know a way to have your employer not pay payroll taxes please share.