Can I pay my 41k penalty for early withdrawal next year ?

[Vanessa A]

Yes, but there will be additional fees and penalties for not paying it on time.  if you are unable to pay your taxes in full, you should still file by April 18th, but you can apply for a payment plan from the IRS.  When you get to the end of TurboTax, prior to hitting file, it will give you the option to apply. 

Also, be sure you go through all of the retirement questions and double check to be sure you do not qualify for an exception to the penalty for early withdraw.

[dmertz]

The distribution and penalty must be included on your 2023 tax return.  Vanessa A describes the consequences of paying your 2023 balance due late or under a payment plan.