Thanks for your reply.
The 5% federal tax was set up by me in the pension as part of monthly distributions. This was not an early withdrawal. I did report the Recovery Rebate payments on the original filing. I triple checked and the 2943 was a refund. I can see where the discrepancy is taking place but do not understand the logic. The worksheet shows my previous over payment on line 18 (2943). That gets subtracted from line 17 (8009, the new total income tax paid). Then that value, line 19 (5066) is subtracted from the new total income tax paid (line 17). The difference is 2748, the amount I owe. This just seems flaky to me. On the 1040-SR the values used are the same but instead of owing 2748, I am owed a 195 refund. The difference is the extra subtractions on the 1040-X. I just find it hard to swallow such a huge difference in results over 15,900. with 5% federal tax already taken out.
