Am I able to submit taxes if it says the form for my cares act covid relief retirement distributions is not ready? I want to pay over 3 yrs. Does it have info from 2020?

8915-f form. Something i read says turbotax will do form for you after submitting. Is this correct? Shouldnt my income go down if retirment distribution is spread over 3 years so wouldnt my taxes change based off income? Thank you. Clearly I am lost!