If you are 59 1/2 and you had your Roth IRA account at least five years, then all of your distributions are tax-free. There is no need to worry about the total net contributions.
However, If you are under 59 1/2 then you need to go back and reconstruct your contributions from the beginning. Your contributions are known as your basis. You can check with your financial advisors to see what records might be available. You may need to contact your previous broker. You can also review your prior year tax returns. The Form 5498, which was filed by your retirement account custodian, reports your total annual contributions made to your Roth IRA account. Every year you made a contribution to your Roth, you received this form.
