The penalty would not change for a different filing status, unfortunately, it's fixed amount based on the withdrawal amount. Penalties usually cannot be reduced by any type of deduction or credit.The withdrawal amount, however, also increases the taxable income on our return and can result in some income being taxed at a higher rate and limits on itemized deductions.
You never want to just change the filing status on an already completed joint return because the results will not be valid.
You can, however, start a new return under the File tab on the upper left and enter two separate married separate returns. There also is a what-if worksheet you can use by entering the words what-if in the search box just above the list of forms in your return. To see that list of forms, click on the Forms icon in the upper right.
