fanfare,
After doing more research, I believe the error was all mine not the software. I did get a distribution from an Inherited IRA and didn't equate that to a Traditional IRA . The last time I did take a distribution (tax year 2018) the IRAs, Pensions, and Annuities were all lumped together on Form 1040 - line 4a total and taxable portion line 4b. So this didn't jump out to me when I reviewed. I believe the calculations must have been done at a different point in the program (probably when I entered the 1099-R forms information) and then seemed logical that year..
In order to calculate the portion of the IRAs distributions that is non-taxable, it uses the basis and divides by the total value and then multiplies that percentage times the distribution. This determines what portion of the overall distribution was non-taxable. It all seems to make sense now to me. I believe if the wording on the question would have included values of inherited IRAs as well 0n 12/31/2021, I may have been able to understand why the increase in taxes owed occurred at that point in the program.
Anyway thanks to all who provided suggestions and advice
sdc12
