Roth IRA

stv_herring · ‎February 02, 2026

TTax is asking what my Roth contributions were prior to 2024?

Why? I have been contributing for many years and have no idea what that amount would be.

Have not made any Roth contributions for the last 3 years.

AnnetteB6

The purpose of that question is to establish the basis in your Roth IRA in the event that you take a distribution from the account that may be taxable. If you have not reached the age of 59 1/2 and the Roth IRA is not at least 5 years old, then the basis is needed to determine whether the distribution is a return of your contributions (basis) or not.

To learn more about qualified Roth IRA distributions, see the following information from the IRS:

Qualified Roth IRA Distributions

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