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I'm just trying to figure all this out myself and just found that link a couple of weeks ago but to me it looks like you are looking at the overall effective 15.6% tax rate but the marginal tax rate is more important when you are looking at using a Roth or not.

Just to be clear, I'm looking at the effective tax rate only on IRA withdrawals assuming that no tax is applied to the SS income. The overall effective tax rate is 8575/88900 = 9.6%.

The link you provided gives the marginal tax rates that you are looking for. I simply wanted to understand what net tax rate I would pay if I had $54k of IRA withdrawals on top of SS income.

It does appear that there is a good sweet spot for outside income between $24-28k of IRA withdrawals where your tax rate would be very low.

When you mentioned HR Block, did you run then numbers through their tax software or something else? I've been planning to set up a dummy tax return to try out the figures to see what the taxes are.

I just used their online calculator. It only takes a couple minutes for simple calculations.

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