The tool is fairly good. I would request future enhancements of providing walk-through/better descriptions for what retirees have to complete when doing taxes (I assist my parents who will be retiring this year). I currently find it a bit confusing for entering the pension information and "determining the taxable amount". As far as my taxes, I owed federal this year, provided my bank information during the last steps of the HR Tool. I noticed that the money was not taken right away although my Federal was accepted. A couple of weeks ago in June, I got a letter from IRS regarding the oweded amount that now had a penalty attached to it. Was it the tool or IRS?