Retirement tax questions

Yes. I have to withdraw fully by year 10. 

I would only have to claim the lump sum as income.  I’m trying to get a rough estimate on what that will do to me in 2025.  I am on the lower end of my tax bracket but I don’t fully understand how taxes work.  Apparently I am in the 24% tax bracket but the amount I owed this year did not equate to 24% from my Gross adjusted income.