I have $26.2K wages, $11.1K int + ord divs, $42.4K qual divs + cap gains, std exempt of $6.4K, $5.9K r/e int + tax, $90 charity. I calc $3915 in fed tax, TT says $6710.

Pretty straightforward.  Never had this discrep w/ TT in 25+ yrs of using.  I've assumed $38K of qual divs + cap gains excluded from taxes.