If you find out that your 2025 AGI is over the Roth IRA contribution limits, you will need to contact the IRA provider and withdraw the excess amount plus any earnings. This will need to be done before April 15, 2026. If it is not withdrawn by that date, there is a 6% penalty on the excess that remains in the account.
You could also apply the excess contribution to 2026, however, you will still incur the 6% penalty on your 2025 tax return.
You may also be able to recharacterize the contribution into a Traditional IRA.
