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Question

Do I really need to track all Roth IRA contributions to report a withdrawal?

Forum|Forum|11 months ago
April 10, 2025
1 reply
0 views

Haven’t contributed in over 10 years.

Over age 59-1/2, no.

If you want to withdraw before age 59-1/2, you can withdraw contributions tax-free, but withdrawal of earnings is subject to income tax plus a 10% penalty. You have to certify on your tax return that you are withdrawing contributions only, no proof is needed at that time. But if you are audited, you will have to prove your contributions.