IRA 5-Year Rule Calculator
Evaluate how Roth IRA 5-year rules affect your withdrawals.
Roth IRA Details
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5-Year Rule Analysis
Years Until Conversion Qualified1
Potential Early Withdrawal Penalty$0.00
Contribution Withdrawals
✓ Always tax-free
Conversion Withdrawals
❌ 5-year holding period not met
Earnings Withdrawals
❌ Not qualified (age 59½ or 5-year rule)
❌ Non-Qualified Withdrawal