At this point, you can only be using the desktop software, not the online software, to prepare a 2020 return. In that case, the first thing you should do is to save a protected copy of your original tax return in a safe location so that you can always return to it and start the amending process over again.
Then, print a complete copy of your original tax return and a copy of the amended return and go over it line by line. You are looking for anything that changes. You should see a change in the IRA distribution and in the 10% penalty. As mentioned, the addition of additional income may change the taxability or deductibility of other items on your tax return that could contribute to the change in total tax. You will have to research this yourself, but once you have identified the changes, we may be able to explain them for you.
