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Is the Distribution from My Roth Account Taxable?

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This interview will help you determine if your distribution from a Roth IRA or designated Roth account is taxable. This topic doesn't address either the return of a Roth IRA contribution or return of a prior year's excess contribution, or a corrective distribution of excess contribution from a designated Roth account.

Information You'll Need

  • For a Roth IRA distribution:
    • Whether or not you have a cost basis to recover. Your basis is the amount of contributions in your Roth IRAs.
    • The year a Roth IRA was first established for your benefit.
  • For a designated Roth account distribution:
    • If the account has earnings.
    • The year the employee first made contributions to the plan.

The tool is designed for taxpayers that were U.S. citizens or resident aliens for the entire tax year for which they're inquiring. If married, the spouse must also have been a U.S. citizen or resident alien for the entire tax year. For information regarding nonresidents or dual-status aliens, please see Publication 519, U.S. Tax Guide for Aliens.

Please note this topic doesn’t include information on tax relief for those affected by Hurricanes Harvey, Irma or Maria. For the latest updates, visit Hurricane Harvey or Hurricanes Irma and Maria.


Disclaimer

Conclusions are based on information provided by you in response to the questions you answered. Answers do not constitute written advice in response to a specific written request of the taxpayer within the meaning of section 6404(f) of the Internal Revenue Code.


Estimated Completion Time: 15 minutes

Please Note: After 15 minutes of inactivity, you'll be forced to start over.

Caution: Using the "Back" button within the ITA tool could cause an application error.

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