How to take back money from non-deductible IRA

[bellamkondaravi]

In 2017 my wife opened a traditional IRA account(fidelity) and contributed $5500 thinking she can save some tax amount but we it became non-deductible IRA (got form 8606).

She has already 401k at her employer but mistakenly opened traditional IRA account trying to save some money. She has no knowledge about IRAs.

Also she invested that $5500 on mutual funds and got some additional amount.

Now what are her options:

How can she take back that $5500 from fidelity traditional IRA account?

Or Can she convert to Roth without any fee.

[MinhT1]

As the $5,500 contributed was non-deductible, she can now withdraw it or convert it to a Roth IRA without paying tax. Tax will however be assessed on earnings, if any.

[bellamkondaravi]

When she try to withdraw from her traditional IRA account it says..

"Any withdrawals taken before the age of 59½ may be subject to a 10% penalty. Actions associated with this transaction will be reported to the IRS."

How can she withdraw without panalty.

[fanfare]

you can convert without penalty,

you cannot withdraw without penalty.