If it was a 2020 contribution then you have until May 17 (or Oct 15 if you either file for an extension or timely file a 2020 tax return before May 17) to request that the IRA custodian does a "return of contribution plus any earnings" attributed to the contribution. The IRA custodian should calculate the earnings. You will receive a 1099-R with the earnings (of any) in box 2a and those will be taxable on your 2020 tax return.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
