If you are in the 12% Tax Bracket and 20% was withheld on your retirement distribution, the extra 8% is included in your Total Payments and applied to Total Taxes. It is not lost.
However, if the distribution was large and put you in the 22% Tax Bracket, for example, then the 20% was not enough, and you will owe additional tax.
If this applies to you, then your other income is taxed at 22% also. That would mean that you under-withheld on your W-2s, as you most likely did not pay 22% tax on that income.
In TurboTax Online, click on TAX TOOLS > TOOLS in the left menu pane, then choose 'View Tax Summary' from the pop-up window.
Look at TOTAL PAYMENTS. This includes ALL Federal taxes you paid, from whatever documents you entered. The difference between TOTAL PAYMENTS and TOTAL TAXES is your refund.
Click this link for more info on Withholding on Retirement Withdrawals.
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