I looked up how to find out the earnings on a Roth 401K excess contribution, but all I found was the IRS net income attributable calculator, which seems to be for IRAs. But if this is the best tool I have, I'll use it.
To fix everything and simplify recordkeeping when I am retirement age, can I just withdraw the excess contribution now as an unqualified distribution, add it to my 2024 gross income, and pay the 10% penalty on the earnings? I didn't overfund by a lot, and I'd rather keep things simple when I retire.
