Withdrawals of Roth contributions are generally tax- and penalty-free, as long as the withdrawal occurs at least five years after the tax year in which you first made a Roth 401(k) contribution and you're 59 ½ or older. If a withdrawal is made from a Roth 401(k) account that does not meet the age 59½ and the account been established at least five prior to the withdrawal, it is considered early or unqualified. Unqualified withdrawals are subject to income tax as well as a 10% penalty on some but not necessarily all of the amount of the withdrawal. You can always withdraw the amount of your Roth 401(k) contributions penalty and tax free. However, any distribution of earnings are subject to taxes and the 10% excise tax/penalty.
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