In your case where you made a contribution for 2023, it is not yet past the filing date of your 2023 return, so the procedure is different.
you need to request "return of contribution with associated earnings"
You must have a) filed by tax day, or b) requested an extension of time to file by tax day.
OR
wait until after April 15 (Oct 15 if you request an extension) and the 2023 contribution
becomes like the 2021 and 2022 contribution.
That costs you another 6% for 2023 contribution.
In some situations it is desirable to have the earnings remain in the Roth IRA.
---
return of excess contribution:
before tax due date including extension: positive earnings allocable to the excess are taxable on the Line 4b for the year of the contribution. negative earnings are ignored; in which case, for purposes of basis, consider the original requested amount as returned.
positive earnings removed are no longer penalized 10% if you are under age 59 1/2. (eliminated in 2023)
@DIYTaxRtn
