topic Is a distribution from my ROTH IRA counted as income? in Retirement tax questions

Is a distribution from my ROTH IRA counted as income?

lynnilangston — Mon, 09 Mar 2026 09:17:08 GMT

Re: Is a distribution from my ROTH IRA counted as income?

macuser_22 — Wed, 02 Mar 2022 22:10:28 GMT

Yes it is income reported on the 1040 form line 4a but probably not taxable income on line 4b.

Re: Is a distribution from my ROTH IRA counted as income?

MinhT1 — Wed, 02 Mar 2022 22:10:59 GMT

In general, ROTH IRA distributions are not taxable.

However, there are exceptions:

If your Roth IRA is less than 5 years old, the earnings portion of the distribution is taxable, and if you are under 59 1/2, that earnings portion is also subject to the 10% early withdrawl penalty.