<prompt> Human: I have been attempting to file my taxes through the various free software programs available, but I have run into some problems. On my W-2 I have 25 K in wages, 1900 in tax withheld. I am a teacher, so I do not pay into Social Security. However, I paid 5 K into my retirement, which I believe is a pre-tax deduction and is put into box 14 on my W-2. My box 12a contains code DD worth 5500. Why are these software programs only estimating my return at 26?  <response>: Why are these software programs only estimating my return at 26?Because the money you withheld for taxes throughout the year totals 26 more than what you actually owe. See Taxes Withheld versus Actual Tax Burden 