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Roth IRA Distribution Tool

This tool is intended to show the tax treatment of distributions from a Roth IRA. (That is, it will show which amounts will be subject to ordinary income tax and/or 10% penalty.) Please note that it assumes that you are the original owner of the Roth IRA (i.e., you did not inherit it from somebody else).

Please see this article for a more thorough explanation of the rules for distributions from a Roth IRA:

Qualifying Reasons

Do you meet one of the “qualifying reasons” below?
  • You are at least age 59.5
  • You are disabled
  • You use the distribution to pay certain qualified first-time homebuyer amounts.

5-Year Rule

When did you first open a Roth IRA?

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