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coreycollier1031
Level 1
April 4, 2026
Question

How do I know my basis for retirement income

  • April 4, 2026
  • 1 reply
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1 reply

M
MindyB
Level 13
April 4, 2026

Your basis for retirement income is determined by the total amount of after-tax contributions you made to your account over the years. Since you already paid income tax on this amount, you can withdraw that amount tax-free. 

 

To find this number, you must typically review your historical tax records, such as Form 8606 or account statements. If you never made nondeductible or after-tax contributions, your basis is zero.

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