ROTH 401k

I've been told and read that my ROTH 401k distributions are not taxable. But recently, I saw an article stating that the EARNINGS on my ROTH "could" be. That is the first time I have seen this comment.

Is this a fact?

If so, how is that calculated?

745

Employee Tax Expert

Oct 22, 2025 9:48:58 AM

Earnings on Roth contributions are also not taxed when they are withdrawn from the plan if your withdrawal is a qualified distribution. A “qualified distribution” is a distribution that is made:

at least 5 years after the first contribution to your Roth account; and
after you’re age 59½ or on account of you being disabled, or to your beneficiary after your death.

https://www.irs.gov/retirement-plans/roth-acct-in-your-retirement-plan

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ROTH 401k