Can I withdraw from my Roth IRA anytime?

RetirementWarren TeamPublished April 25, 2026

Quick answer

Yes, your direct Roth IRA contributions can be withdrawn anytime, tax- and penalty-free. Earnings, however, are subject to a 10% penalty before age 59½ and need a 5-year clock to be tax-free.

Roth IRA withdrawal rules: contributions vs earnings access.

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