For MFJ, the 12% tax bracket goes up to $83,550 of taxable income. Since you can claim a standard deduction of $25,900 (or more if over age 65), then you can have gross income up to $109,450 and still be in the 12% bracket. If you have $34,000 of other income, then the first $74,450 of IRA withdrawal will be taxed at 12%. Anything over that will be taxed at 22% (up to $178,000) and then 24% (up to $340,000).
If under age 59-1/2, you will also pay a 10% penalty.
There is no tax-free amount of a withdrawal from a traditional IRA. You didn't pay tax on the contributions, so you have to pay it on the withdrawals.
