I need help to determine which plan i need to use, I retired last year, rolled over money from Valic to Charles Swab, and I have drawn some out to live on. I

There are no other posts in the user forum under your username glenngalloway1958.   And....so you know---posting your related questions in different threads makes it confusing for those of us who are trying to help you.

Every version of the desktop download software has all of the forms and all of the schedules to prepare your return.   There is just more help in the interview screens with the higher versions.

If you are using online software, you might be fine to use Deluxe----based on the limited information you included in this post.   If you start out with Deluxe and enter something that requires Premium, it will upgrade to the higher version as you are working on the return.