Real ChatGPT answer · index seedVaGCctxonhocompleteEducation · financial aid and scholarshipshowto

How do I calculate the exact taxable earnings portion of a non-qualified 529 withdrawal I was forced to make this morning?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How do I calculate the exact taxable earnings portion of a non-qualified 529 withdrawal I was forced to make this morning?
2 real searches · 1 real-search pass
IRS Publication 970 529 qualified tuition program nonqualified distribution earnings portion basis ratio 2026Google ↗
OBSERVEDReason
IRS Form 1099-Q instructions earnings basis distribution account balance calculation nonqualified 529Google ↗
OBSERVEDInstruction

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparisonConsequenceReason50%DefinitionInstruction50%Yes / no

Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
IRS Publication 970 529 qualified tuition program nonqualified distribution earnings portion basis ratio 2026 Google ↗
IRS Form 1099-Q instructions earnings basis distribution account balance calculation nonqualified 529 Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS Publication 970 529 qualified tuition program nonqualified distribution earnings portion basis ratio 2026
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
IRS Form 1099-Q instructions earnings basis distribution account balance calculation nonqualified 529
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1