afairless
New Member

Made an early Roth IRA distribution. Can I estimate prior year Roth contributions made over 10 years ago since I no longer have records? If so, how?

I funded my IRA starting in 2000 through 2012 and I cannot locate any bank statements or tax records. My financial institution so longer has records prior to 2018 and the IRS no longer has records prior to 2015. Can I estimate my prior year contributions to my Roth so that I don't have to pay taxes on the full amount of the early distribution? What are the acceptable methodologies in order to estimate such Roth IRA contributions?