You can withdraw contributions you made to your Roth IRA anytime, tax- and penalty-free.
The 5-year rule applies to conversions and certain rollover contributions from a qualified retirement plan to a Roth IRA. If you withdraw them before the 5 year mark then you may have to pay the 10% additional tax on early distributions. Please see Distributions of conversion and certain rollover contributions within 5-year period for additional details.
If you did not get the 10% penalty then you probably withdrew only your contributions. Please review the Roth follow-up questions:
- Login to your TurboTax Account
- Click on "Search" on the top and type “1099-R”
- Click on “Jump to 1099-R” and enter all your 1099-Rs
- Click "Continue" on the "Review your 1099-R info" screen after you entered all you Form 1099-R
- Answer "Owned Any Roth IRA for Five Years?" screen
- Continue through the questions and make sure you enter the net contributions prior to 2024 on the "Enter Prior Year Roth IRA Contributions" screen
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