Thank you so much for your input. I hope you are right with your answer. Your calculations are for a regular Roth, however since this is a 401K Roth (different rules), I believe your earnings to be taxed are determine by the pro-rata rule. That is, your distribution*(balance - cost basis)/balance is the amount of earnings to be taxed from the distribution. I might be wrong with my understanding since I cannot get Turbo Tax to align with my hand calculations. I will keep trying and update the message when I get my hand calculations to align with Turbo Tax.
Besides the validation of my understanding of this bone head move I made, my overall tax situation is complicated and doing this one piece by hand ignores it influence on my final estimated taxes.
Thanks again for your help!
Dave
