First, as of this date, you can only contribute for 2025. It is too early to contribute for 2026. You can contribute retroactively for 2024 only if you are located in an area where there was a federal disaster and the IRS has given you an automatic extension to file. If you are located in an area where the normal deadline was April 15, it is too late to make a contribution for 2024, even if you got an extension. (Or, you could contribute for 2024 if you made the contribution before April 15, 2025.)
Your contribution limit for 2025 is $7000 or $8000 if over age 50. If you contributed less than that amount, it will all count for 2025. If you contributed more, you need to remove that excess no matter what you do with the rest.
Can you first clarify how much you contributed, and when, and for which years?
Yes, you can make non-deductible contributions to a traditional IRA (which includes recharacterizing a Roth contribution as a non-deductible traditional IRA contribution)—that has some strings and rules, and we can cover that after you clarify the other.
