If you have always been able to make deductible contributions to your traditional IRA, the full distribution amount is taxable.
If you have put after tax dollars into the IRA, you file a form 8606 each year to keep up with your basis and you would use that information to fill out the non-deductible contributions when asked. The program will calculate the taxable amount.
If you don't have an 8606 filed each year, the whole amount is taxable.
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