Trying to figure out what is tax credit this year as it shows up on my calculator.

Here is the larger question derived from this question: I don’t have the new version of TT desktop this year. Was looking to do my taxes this year as I near SS! How can I estimate my tax situation as I need to withdrawl more from Retirement due current inflation and no emergency fund: + Retirement withdraws @61 yo: 15K per year + Spouses PT job: 10k yr - For some reason a Tax Credit shows up on a web calculator of (- $4,213) not sure that showed up or how it was calculated on Calculator.net as I just entered the retirement and PT income figures (25K) -Married Filed Jointly Standard Deduction is 29,200 for this year. Seems that I have some room to make some EMERGENCY withdrawals since (15+10) - (4,213?) Tax Credit. is not enough to live on. Standard Deduction leave me with some room. Does the Standard Deduction -29,200 enable me to withdraw more for retirement? (15+10) - 29,200 = 4,200. Given the 10% tax bracket (0-23,200 @10%) for Married Joint return should enable me to make an emergency withdrawl to survive this year. I am think that I can take out 4,200+23,200? Sorry for the simple math but I think my return is basic and I know things are probably more complex. Does this sound like I am on the right track? Can’t wait to purchase the TT desktop for this year! Thanks for taking the time for your input.