IRA 5-Year Rule Calculator

Evaluate how Roth IRA 5-year rules affect your withdrawals.

  • Methods explained
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  • Compare saved scenarios
  • Household prefill

Roth IRA Details

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5-Year Rule Analysis

Years Until Conversion Qualified1
Potential Early Withdrawal Penalty$0

Contribution Withdrawals

✓ Always tax-free

Conversion Withdrawals

✓ 5-year holding period met

Earnings Withdrawals

❌ Not qualified (age 59½ or 5-year rule)

❌ Non-Qualified Withdrawal

How it works›

Model and assumptions. Checks the entered contribution/conversion dates, age and distribution assumptions against the modeled Roth holding periods. Contribution earnings and conversion principal can have different rules. This is a timing estimate; ordering, exceptions and complete account history still matter.IRS Publication 590-B