1099-R, federal tax appears wrong

[jheat]

On my 1099-R, the payer withheld 20% for federal taxes when they provided me with a total distribution in 2019.  If the tax penalty for early withdrawal before 59 & 1/2 years old is 10%, why would Turbo Tax have me paying an additional 10% of the gross distribution?  I assumed I would get  a credit for the 10% of extra withholding that the payer held.  As it stands I am being penalized a total of 30% of the grass distribution.  Please help. @1099R 

[DoninGA]

All the federal taxes withheld and reported on the Form 1099-R in box 4 are entered on your tax return as a tax payment (just like from a W-2).   

The 10% early withdrawal penalty is only calculated on a tax return and entered as a tax liability.  The taxable amount withdrawn is added to your tax return as ordinary income.

If your total tax liabilities are less than your total tax payments you will get a tax refund for the overpayment.  If the total tax liabilities are greater than your total tax payments you will have taxes owed.