Retirement tax questions

If you are filing Married Filing Jointly, most of it would be taxed at 12%. If filing single or MFS, most of it would be taxed at 22%. 20% should be adequate unless you are subject to the 10% early withdrawal penalty. Use the TurboTax Taxcaster to help you decide: https://turbotax.intuit.com/tax-tools/calculators/taxcaster/