In the USA. Would be great if the calculator also had a state version but it’s ok if not.

I was awarded SSDI this year and am currently withdrawing money from my IRA to stay afloat.

I found the IRS forms - mainly in publication 915 - to calculate my tax burden, but because I also got a lump some from SSDI backpay this year it feels too complicated.

Basically I am trying to see if it makes sense from a tax perspective to withdraw more from my IRA before the end of the year or to wait til next year, and if so, how much more.

I am single and only ever do the standard deduction. I don’t think I qualify for the earned income credit or any other credits that I’m aware of. I’m not in a state with the new IRS direct file program unfortunately.

So does anyone know of a basic calculator I can run different amounts through?

Thanks