If you take a distribution from your retirement account, you will receive a 1099R in late January or early February, which must be entered on your tax return. That document will show how much tax was withheld and will indicate if it was an early distribution. The software will do the calculations and determine if you had enough tax withheld or if you owe more. You do not pay the 10% early penalty as a "separate" fee.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
