On my 1099-R form I listed on Item #4 for Federal income tax withheld = $3000 and on # 12 State tax withheld = $1500. Why tell me at the point That I don't have refund.

[KenH1 · Accepted solution]

You are entering your taxes withheld, but don't forget, you are also entering the taxable income from the distribution.

If this was an early distribution (under 59.5), you are also being assessed a 10% penalty tax.