@TravisTractor
I also went through the detail software calculation of how my 2020 refund was determined by HR&Block by examining forms 1099R, 1040 and 8915-E. I took 15K out of my 401K and claimed to pay taxes on it in three payments in 2020, 2021 and 2022... The 401K company withheld 20% of 15K (3K) as federal tax per IRS requirement... What I found out was the Block calculated my refund based on what my federal tax should be for my bracket (i.e., plus or minus 1K) on the first 5K for 2020 and returned the remaining 2K in my refund... As you said I imputed all the information on the 1099R into the software...
