1099-R, what are all the costs incurred?

[TaxesAreConfusing3]

Hi to whoever can help explain. 

I had to take some money out of my 401(k) this year (2019). For the sake of this post, I'll just say it was $13,000. Of that $13k, I paid sbout $300 in state taxes and $2800 in federal. I knew that I would owe taxes  (namely, that 10% fee) on this later, and set aside enough money to cover all expenses. 

As I was going through my TurboTax process, the calculator at the top of the page was showing that I would be receiving a refund. This was prior to entering my 1099-R Information. (Rounded numbers for simplicity),  I was set to receive a refund of about $2,000 total. ($1,000 for each fed and state). 

After entering my 1099-r Info, it said I owed. I was expecting this. What I was not expecting, though, was the amount. I am confused by the math on this. Collectively, now I owe about $2,700 between fed and state. I was expecting to owe around $1300. The only additional "fee" I can see is that the state charges a fee for not having paid enough income tax (A fee of about $15). 

So I guess I have a few questions: 

-Are the original "returns" not factored into what I owe (because, if so, that means I would be paying nearly $5k on top of the $3k I already paid, on a $13k withdrawl).

- What other fees are added into this beyond that expected 10%? 

Any and all insights would be helpful - thank you!

[DianeC958]

All of the information you put into TurboTax is factored into the amount due.  Since you took an early distribution from your Retirement Account the only additional amount above what you owe for Federal and State taxes is the 10% penalty for early withdrawal.

With the information, you already entered into TurboTax when you were expecting a refund. On the initial information, you received all the deductions and credits you qualified for which reduce the amount of income that is taxable.   With the addition of income the balance of income against your credits and deductions changed, which increases your tax liability.

[jtax]

It is hard to know without more info from your return (this is a just a volunteer user forum, we don't have such access).

First thing though is to understand the tax withholding from the distributions are just deposits. They aren't even estimates. They are just a way  of making sure you pay something and pay timely. 

Your actual tax liability cannot be computed without knowing all of your other income and deductions.

Have you checked to make sure the withholding from the 1099-R was properly entered into TT? 

You might also want to get a PDF version of your return (see below) and then start looking to see what's going on. For example look at 1040 line 17 and make sure your W2 (job) and 1099-R (401k) tax withholding ads up correctly. That will tell you if you didn't enter everything. 

Otherwise you can ask again giving your adjusted gross income (AGI) (line 8b, and taxable income 11b). You needn't be exact. Might also include filing status and line 1.

https://ttlc.intuit.com/community/saving/help/how-do-i-save-my-turbotax-online-return-as-a-pdf/00/26...

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