Taxes were taken out of my 1099R why is it still saying I owe ALOT of ta?

[Coleen3]

The taxes taken out are just an estimate of what you might owe, just like the withholding on your W-2. You can't know what your tax liability will be until all the income and expenses are entered on the return. In addition, if you took a premature distribution, you may have a 10% penalty. You would have to be in the 10% tax bracket to not have to pay tax if they withheld the usual 20%.