Using v 64.30.
I find tax planner to be almost useless. I constantly have the red flag on withholding, and it's currently telling me that I owe thousands in taxes. When I look at the withholding tab there are a number of problems.
The biggest is that the circle "estimate based on YTD daily average" is selected. If I select "scheduled bills and deposits" things are much better while I'm inside the actual planning pages, but the summary page does not update. If I change it, close out of tax planner, and then reopen another day, it's back to where it was.
I'm retired, my wife is still working. On the income page, it defaults to having 'my' salary filled in based on 2024, when I retired mid-year, rather than on 2025 scheduled items, which give a salary of zero. I have regularly scheduled income from IRA investments that are in the scheduled deposits tool, but they come and go within the tax planner, at random—especially the withholding that Vanguard is doing.
For whatever reasons, in the end, it doesn't save changes and corrections. It seems to default to some basic condition, and doesn't remember fixes I put in yesterday.
