IRA contribution are independent of 401(k) contributions and one does not affect the other.
Your gross income determines if Roth IRA contributions are excess.
Any excess plus any earnings attributed to the excess must be removed before the 2021 due date (Apr, 15, 2022) to avoid any penalty. Ask the IRA custodian for a 'return of contribution plus earnings" - do not just remove it yourself with a normal distribution or the resulting 1099-R will not be coded as a return of contribution and have the earnings (if any) in box 2a.
**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.**
