After tax 401k distribution to Roth

jjcnrose5259 · ‎June 6, 2019

I contribute after tax dollars to my 401k. I did an in service distribution from my 401k, which takes only the aftertax amount and any associated earnings out, and transferred it to my Roth IRA. This is not a taxable event, but it is counting the distribution as taxable.

dmertz · ‎June 6, 2019

It is taxable to the extent of the earnings included in the distribution. Box 2a of the Form 1099-R should show the amount of the taxable earnings which you should see included on Form 1040 line 16b or Form 1040A line 12b. The amount shown in box 5 of the Form 1099-R is the after-tax portion that you should see excluded from the amount on line 16b or 12b. The word ROLLOVER should be present next to the line.

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After tax 401k distribution to Roth

Retirement tax questions