The watch your refund grow works great for me. I like to see how a particular item affects the bottom line as I go. The return was DONE except for that one item. Very simple return. Just a W2 and this 1099-R. The refund grew a lot just by clicking the Box 7 "early distribution" option. With that choose there is NO penalty or tax on the Roth IRA early distribution. I can't figure out why. I Googled and don't see any exception for his simple case. And even if there were, there was no exception information included in the return in Turbo Tax.