In general, you do not have to report either contributions to or qualified withdrawals from a Roth IRA to the IRS. Qualified withdrawals include withdrawals made after 59½ and 5 years after your first contribution to your Roth IRA, as well as hardship withdrawals.

The IRS requires you to report nonqualified distributions from a Roth IRA, as well as Roth IRA conversions using Form 8606, Nondeductible IRAs. This form will help you determine the portion of the withdrawal that is taxable. Additionally, your financial institution will report your Roth IRA contributions using Form 5498, IRA Contribution Information.

Have questions or concerns about how your Roth IRA contributions or withdrawals could impact your 2025 tax return? We’re open year-round, and our Tax Pros are standing by, ready to help you get every dollar you deserve. Book your appointment today.

Sharon Brucker, CPA Senior Tax Research Analyst Published on: August 28, 2025
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*This content is for general informational purposes only. It is not intended to be comprehensive and should not be construed as professional tax or financial advice for any specific individual tax situation. Taxpayers should always consult a qualified professional for individual guidance. This information constitutes a solicitation under the Treasury Department's Circular 230. Most offices are independently owned and operated.