The "tax due date" for a 2021 excess contribution is Tax Day 2022.
That option is no longer available to you.
Your excess has been in the Roth IRA for three full years going on four.
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After tax due date including extensions: you distribute the excess amount being carried forward on 5329,
(or offset it with currently allowed contribution) .
An amended return(s) will be needed supplying Form 5329 since there is a 6% penalty per year on excess contributions .
Any earnings stay in the Roth account.
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If you distribute the excess now, you willl resolve the issue on your 2024 tax return.
@3D-Q
