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Page 27", "Internal Revenue Service. &#34;<a href="https://www.irs.gov/pub/irs-pdf/p590b.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">2023 Publication 590-B</a>,&#34; Pages 36-37.", "Internal Revenue Service. &#34;<a href="https://www.irs.gov/pub/irs-pdf/p590b.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Publication 590-B</a>,&#34; Page 28." ] ,"mainEntityOfPage": { "@type": ["WebPage"] ,"@id": "https://www.investopedia.com/terms/i/irs-publication-590b-distributions-individual-retirement-arrangements-iras.asp" ,"breadcrumb": { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "item": { "@id": "https://www.investopedia.com/retirement-planning-4689695", "name": "Retirement Planning" } } , { "@type": "ListItem", "position": 2, "item": { "@id": "https://www.investopedia.com/ira-4689693", "name": "IRAs" } } ] },"reviewedBy": [ {"@type": "Person" ,"name": "Marguerita Cheng" ,"url": "https://www.investopedia.com/marguerita-cheng-4684136" } , {"@type": "Person" ,"name": "Maddy Simpson" ,"url": "https://www.investopedia.com/maddy-simpson-5198981" } ] ,"lastReviewed": "2024-09-22T16:29:44.798-04:00"} , "about": [ { "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What Is IRS Publication 590-B Used For?", "acceptedAnswer": { "@type": "Answer", "text": "<p>IRS <a href=\"https://www.irs.gov/pub/irs-pdf/p590b.pdf\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"externalLink\" data-ordinal=\"1\">Publication 590-B<\/a> details the tax implications of taking money out of any type of IRA, before or after retirement. It specifies when you can't withdraw money without paying a penalty and when you must withdraw money via required minimum distributions in retirement.<\/p>" } } , { "@type": "Question", "name": "How Can I Find Out About Changes Since the Last Publication 590-B Was Published?", "acceptedAnswer": { "@type": "Answer", "text": "<p>The IRS provides updates about related developments before a new version of Publication 590-B is published on a web page titled "<a href=\"https://www.irs.gov/forms-pubs/about-publication-590-b\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"externalLink\" data-ordinal=\"1\">About Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs)<\/a>." These may include legislation enacted after the current edition was published.<\/p>" } } , { "@type": "Question", "name": "How Long Is IRS Publication 590-B?", "acceptedAnswer": { "@type": "Answer", "text": "<p>"2023 IRS Publication 590-B," the latest edition available as of May 2024, has 69 pages. It has three chapters and additional sections that provide information about the rules for the traditional IRA and the Roth IRA, permitted early withdrawals used to pay for damage caused by natural disasters, rules for required distributions, taxation of IRAs, regulations for filing the form required to report distributions from any type of IRA, and more.<\/p>" } } ] } ] } ]</script> </head><body>  <svg class="mntl-svg-resource is-hidden"> <defs> <symbol id="icon-alert"> <svg width="30" height="29" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M13.2522 4.38081C14.077 2.92054 16.1389 2.92054 16.9637 4.38081L26.7065 21.6302C27.5313 23.0905 26.5003 24.9158 24.8507 24.9158H5.36517C3.7156 24.9158 2.68462 23.0905 3.5094 21.6302L13.2522 4.38081Z" fill="#fff"/><path fill-rule="evenodd" clip-rule="evenodd" d="M19.6063 2.76459L29.2795 20.1815C31.3267 23.8676 28.7677 28.4753 24.6732 28.4753H5.32681C1.23233 28.4753 -1.32671 23.8676 0.720529 20.1815L10.3937 2.76459C12.441 -0.921533 17.559 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id="mntl-toc__list-item-link_1-0" data-tracking-container="true" ><span class="link__wrapper">What Is IRS Publication 590-B?</span></a></div></li> <li id="mntl-toc__list-item_2-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_2-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-understanding-irs-publication-590-b" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_2-0" data-tracking-container="true" ><span class="link__wrapper">Understanding IRS Publication 590-B</span></a></div></li> <li id="mntl-toc__list-item_3-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_3-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-penalties-and-exemptions-in-publication-590-b" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_3-0" data-tracking-container="true" ><span class="link__wrapper">Penalties and Exemptions in Publication 590-B</span></a></div></li> <li id="mntl-toc__list-item_4-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_4-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-other-useful-irs-publications" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_4-0" data-tracking-container="true" ><span class="link__wrapper">Other Useful IRS Publications</span></a></div></li> <li id="mntl-toc__list-item_5-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_5-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-what-is-irs-publication-590-b-used-for" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_5-0" data-tracking-container="true" ><span 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id="mntl-breadcrumbs__item_2-0" class="comp mntl-breadcrumbs__item mntl-block"><a href="https://www.investopedia.com/ira-4689693" rel="nocaes" class="mntl-text-link mntl-breadcrumbs__link" id="mntl-text-link_2-0" data-tracking-container="true" ><span class="link__wrapper">IRAs</span></a></li></ul> <header id="article-header_1-0" class="comp article-header mntl-block right-rail__offset js-toc-appear"><h1 id="article-heading_1-0" class="comp article-heading mntl-text-block">IRS Publication 590-B: What It Is, How It Works</h1> <div id="sponsorship-wrapper_1-0" class="comp sponsorship-wrapper mntl-block"></div> <div id="article-meta_1-0" class="comp article-meta mntl-block" data-tracking-container="true"><div id="finance-bylines_1-0" class="comp finance-bylines mntl-bylines"><div id="mntl-bylines__group_1-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--author"><div id="mntl-bylines__item_1-0" class="comp mntl-bylines__item mntl-attribution__item mntl-attribution__item--has-date"> <span class="mntl-attribution__item-descriptor">By</span> <div data-tooltip="<p>Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.</p>" tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/contributors/53409/" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Julia Kagan</a> <div id="mntl-author-tooltip_1-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:99.9%;"> <img data-src="https://www.investopedia.com/thmb/A9EqkfoORjn34-jJI3uIBo_HlYQ=/200x200/filters:no_upscale():max_bytes(150000):strip_icc()/Julia_Kagan_BW_web_ready-4-4e918378cc90496d84ee23642957234b.jpg" width="200" height="200" 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https://www.investopedia.com/thmb/5arkKJaDmXrBvo8TB-yGTAPe4g4=/94x0/filters:no_upscale():max_bytes(150000):strip_icc()/Julia_Kagan_BW_web_ready-4-4e918378cc90496d84ee23642957234b.jpg 94w, https://www.investopedia.com/thmb/kr8usjrDsd674OgoUpWM8wsPE6U=/112x0/filters:no_upscale():max_bytes(150000):strip_icc()/Julia_Kagan_BW_web_ready-4-4e918378cc90496d84ee23642957234b.jpg 112w" sizes="80px" alt="Julia Kagan" /> </noscript> </div> </div> <a href="https://www.investopedia.com/contributors/53409/" rel="nocaes" class="finance-author-tooltip__link mntl-text-link " id="finance-author-tooltip__link_1-0" data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div id="finance-author-tooltip__social_1-0" class="comp finance-author-tooltip__social finance-social-nav mntl-social-nav" data-tracking-container="true"> <ul class="social-nav__list"> <li class="social-nav__item social-nav__item--linkedin"> <a href="https://www.linkedin.com/in/julia-kagan-4118147/" target="_blank" rel="noopener nofollow sponsored noskim" data-text="Follow" class="social-nav__link social-nav__link--linkedin" aria-label="Visit Julia Kagan's LinkedIn" > <svg class="icon icon-linkedin social-nav__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-linkedin" href="#icon-linkedin"></use> </svg> </a> </li> </ul> </div> <div class="mntl-author-tooltip__bio"> <p>Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.</p> </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/legal-4768893#editorial-policy" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >editorial policies</a> </div> </div></div> </div> <div class="mntl-attribution__item-date">Updated September 22, 2024</div></div> <div id="mntl-bylines__group_2-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--finance_reviewer"><div id="mntl-bylines__item_2-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Reviewed by</span> <div data-tooltip="Marguerita is a Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Retirement Income Certified Professional (RICP), and a Chartered Socially Responsible Investing Counselor (CSRIC). She has been working in the financial planning industry for over 20 years and spends her days helping her clients gain clarity, confidence, and control over their financial lives." tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/marguerita-cheng-4684136" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Marguerita Cheng</a> <div id="mntl-author-tooltip_2-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:100.0%;"> <img data-src="https://www.investopedia.com/thmb/bzfZx39PB02fUHPNPGRn_JimMN4=/200x200/filters:no_upscale():max_bytes(150000):strip_icc()/MargueritaCheng-6c68ae4d51ee4b33840635836c5278ae.png" width="200" height="200" 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rel="nocaes" class="finance-author-tooltip__link mntl-text-link " id="finance-author-tooltip__link_2-0" data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div id="finance-author-tooltip__social_2-0" class="comp finance-author-tooltip__social finance-social-nav mntl-social-nav" data-tracking-container="true"> <ul class="social-nav__list"> <li class="social-nav__item social-nav__item--linkedin"> <a href="https://www.linkedin.com/in/margueritacheng/" target="_blank" rel="noopener nofollow sponsored noskim" data-text="Follow" class="social-nav__link social-nav__link--linkedin" aria-label="Visit Julia Kagan's LinkedIn" > <svg class="icon icon-linkedin social-nav__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-linkedin" href="#icon-linkedin"></use> </svg> </a> </li> <li class="social-nav__item social-nav__item--x"> <a href="https://twitter.com/blueoceangw" target="_blank" rel="noopener nocaes" data-text="Follow" class="social-nav__link 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She has been working in the financial planning industry for over 20 years and spends her days helping her clients gain clarity, confidence, and control over their financial lives. </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/investopedia-financial-review-board-5076269" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >Financial Review Board</a> </div> </div></div> </div></div> <div id="mntl-bylines__group_3-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--fact_checker"><div id="mntl-bylines__item_3-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Fact checked by</span> <div data-tooltip="Maddy Simpson is an experienced data journalist 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href="https://www.investopedia.com/maddy-simpson-5198981" rel="nocaes" class="finance-author-tooltip__link mntl-text-link " id="finance-author-tooltip__link_3-0" data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div class="mntl-author-tooltip__bio"> Maddy Simpson is an experienced data journalist and fact-checker with a background in financial analytics. </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/legal-4768893#editorial-policy" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >editorial policies</a> </div> </div></div> </div></div> </div></div></header> </div><div class="loc article-content"><div id="article__primary-video-container--jw_1-0" class="comp article__primary-video-container--jw mntl-block"></div> <div id="article__broad-video--jw_1-0" class="comp article__broad-video--jw mntl-jwplayer-broad mntl-block is-hidden" data-pixel-depth="100"><div id="mntl-jwplayer-broad__video_1-0" class="comp mntl-jwplayer-broad__video mntl-jwplayer mm-video lazyload" data-bgset data-sizes="auto"></div> <div id="mntl-jwplayer-broad__title_1-0" class="comp mntl-jwplayer-broad__title mntl-block"><div id="mntl-jwplayer-broad__title--text_1-0" class="comp mntl-jwplayer-broad__title--text mntl-text-block text-utility-100"></div> <button id="mntl-jwplayer-broad__title-icon--close_1-0" class="comp mntl-jwplayer-broad__title-icon--close mntl-block text-label-100" data-click-tracked="false"><span id="mntl-text-block_1-0" class="comp mntl-text-block">Close</span> <svg class="icon close-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#close-icon" href="#close-icon"></use> </svg></button></div></div> <div id="article-body_1-0" class="comp article-body mntl-block" data-contain-tooltips="true"><div id="mntl-sc-page_1-0" class="comp mntl-sc-page mntl-block article-body-content" data-sc-sticky-offset="80" data-sc-ad-label-height="0" data-sc-ad-track-spacing="90" data-sc-min-track-height="250" data-sc-max-track-height="600" data-sc-breakpoint="50em" data-sc-load-immediate="1" data-sc-content-positions="[300, 1, 1, 1250, 1, 1, 1, 1]" data-bind-scroll-on-start="true"><span class="heading-toc" id="toc-what-is-irs-publication-590-b"></span><h2 id="mntl-sc-block_1-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> What Is IRS Publication 590-B? </span> </h2> <p id="mntl-sc-block_2-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> <a href="https://www.irs.gov/pub/irs-pdf/p590b.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">IRS Publication 590-B </a>explains the tax implications of withdrawing money from any type of <a href="https://www.investopedia.com/terms/i/ira.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">individual retirement account (IRA)</a>, before or after retirement. It specifies when you can't withdraw money without paying a penalty and when you <em>must</em> withdraw money. </p> <div id="mntl-sc-block_3-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_4-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_5-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-whatyouneedtoknow" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_1-0" class="comp mntl-sc-block-callout-heading mntl-text-block">Key Takeaways:</h3> <div id="mntl-sc-block-callout-body_1-0" class="comp mntl-sc-block-callout-body mntl-text-block"><ul><li>IRS Publication 590-B calculates the taxes you'll owe when you withdraw money from any type of individual retirement account (IRA).</li><li>If you have a traditional IRA, see Chapter 1 of IRS Publication 590-B.</li><li>If you have a Roth IRA, see Chapter 2 of IRS Publication 590-B.</li></ul></div></div></div> <p id="mntl-sc-block_6-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The publication includes three chapters, several appendixes, and worksheets to assist the taxpayer. <a href="https://www.irs.gov/pub/irs-pdf/p590a.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Publication 590-A</a> covers the tax rules for <a href="https://www.investopedia.com/terms/r/retirement-contribution.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">contributing to retirement accounts</a>. </p> <div id="mntl-sc-block_7-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-understanding-irs-publication-590-b"></span><h2 id="mntl-sc-block_8-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Understanding IRS Publication 590-B </span> </h2> <p id="mntl-sc-block_9-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> There are several types of IRAs, including the traditional IRA and the Roth IRA, the <a href="https://www.investopedia.com/terms/s/sep.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">SEP</a>, and the SIMPLE IRA. But the biggest distinction is <a href="https://www.investopedia.com/retirement/roth-vs-traditional-ira-which-is-right-for-you/" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">between the traditional and the Roth IRA</a>: </p> <div id="mntl-sc-block_10-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <ul id="mntl-sc-block_11-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> <li>A traditional IRA permits a taxpayer to contribute pretax earnings up to a certain amount each year. The wage-earner gets an immediate tax break, and taxes on the amount paid into the account are deferred until the taxpayer withdraws money.</li><li>A Roth IRA allows a taxpayer to contribute post-tax earnings up to a certain amount each year. The wage-earner pays the income taxes upfront, so withdrawals taken after retirement won't be taxed.<span class="ql-inline-citation" data-cite="1"></span></li> </ul> <div id="mntl-sc-block_12-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_13-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_14-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-important" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_2-0" class="comp mntl-sc-block-callout-heading mntl-text-block"></h3> <div id="mntl-sc-block-callout-body_2-0" class="comp mntl-sc-block-callout-body mntl-text-block"><p>An IRA distribution for higher education expenses or a first-time home purchase isn't subject to the 10% early withdrawal penalty.<span class="ql-inline-citation" data-cite="2"></span></p></div></div></div> <p id="mntl-sc-block_15-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> IRS Publication 590-B is organized to explain the different tax implications of the traditional and Roth types of IRA accounts: </p> <div id="mntl-sc-block_16-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <h3 id="mntl-sc-block_17-0" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Chapters 1 and 2 </span> </h3> <p id="mntl-sc-block_18-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Chapters 1 and 2 of IRS Publication 590-B explain all the rules for the traditional IRA and the Roth IRA, respectively. Chapter 1 covers when you can withdraw money and at what age you must withdraw money. It also includes penalties for early withdrawals from traditional IRAs. </p> <div id="mntl-sc-block_19-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <h3 id="mntl-sc-block_20-0" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Chapter 3 </span> </h3> <p id="mntl-sc-block_21-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Chapter 3 covers permitted early withdrawals used to pay for damage caused by natural disasters. As of the latest IRS Publication 590-B, for 2023 tax returns, a qualified disaster recovery distribution must meet certain criteria as described in the <a href="https://www.investopedia.com/secure-2-0-definition-5225115" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">SECURE 2.0 Act of 2022</a>. Section 331 of the latest SECURE Act allows victims of a qualified <a href="https://www.investopedia.com/terms/d/disasterloss.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">natural disaster</a> to withdraw up to $22,000 from their retirement account without penalty. The withdrawal is treated as gross income over three years without penalty (effective as of the passage of the bill). All such distributions require repayment of the money to avoid a penalty later.<span class="ql-inline-citation" data-cite="5"></span> </p> <div id="mntl-sc-block_22-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <h3 id="mntl-sc-block_23-0" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Introduction </span> </h3> <p id="mntl-sc-block_24-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> An introductory section includes a table clarifying the differences between traditional and Roth IRAs, rules for required distributions, taxation of these accounts, and regulations for filing <a href="https://www.irs.gov/pub/irs-prior/f8606--2021.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Form 8606</a> for non-deductible IRAs. This is the form that must be filed to report distributions from any type of IRA. </p> <div id="mntl-sc-block_25-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <h3 id="mntl-sc-block_26-0" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Final Sections </span> </h3> <p id="mntl-sc-block_27-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> A later section provides general information on getting help with tax-related issues. </p> <div id="mntl-sc-block_28-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_29-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Appendix A is a worksheet for determining your <a href="https://www.investopedia.com/articles/retirement/04/120604.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">required minimum distribution (RMD)</a>, and Appendix B contains a life expectancy table needed to calculate RMDs. </p> <div id="mntl-sc-block_30-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-penalties-and-exemptions-in-publication-590-b"></span><h2 id="mntl-sc-block_31-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Penalties and Exemptions in Publication 590-B </span> </h2> <p id="mntl-sc-block_32-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Keep an eye on the penalties detailed in Publication 590-B, and the exceptions to those penalties. </p> <div id="mntl-sc-block_33-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_34-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> For example, most early distributions trigger a 10% penalty. The penalty goes up to 25% if money is withdrawn during the first two years of participation in a SIMPLE IRA.<span class="ql-inline-citation" data-cite="4"></span> However, a withdrawal for <a href="https://www.investopedia.com/terms/q/qhee.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">qualified higher education expenses</a> or first-time home purchase isn't subject to the penalty. </p> <div id="mntl-sc-block_35-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-other-useful-irs-publications"></span><h2 id="mntl-sc-block_36-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Other Useful IRS Publications </span> </h2> <p id="mntl-sc-block_37-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The IRS has numerous publications explaining the ins and outs of qualified retirement plans. </p> <div id="mntl-sc-block_38-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <ul id="mntl-sc-block_39-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> <li>If you run a small business or work for one, you may be interested in <a href="https://www.irs.gov/publications/p560" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">IRS Publication 560: Retirement Plans for Small Business</a>.</li> <li>Another IRS publication, <a href="https://www.irs.gov/retirement-plans" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="2">Retirement Plans</a>, has extensive information on types of retirement plans and retirement plan administration.</li> <li>An <a href="https://www.irs.gov/retirement-plans/retirement-plans-frequently-asked-questions-faqs" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="3">IRS FAQs page</a> contains brief information about the various types of IRAs and their tax implications.</li> </ul> <div id="mntl-sc-block_40-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_41-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-what-is-irs-publication-590-b-used-for"></span> <h2 class="mntl-sc-block-questionandanswer__question">What Is IRS Publication 590-B Used For?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>IRS <a href="https://www.irs.gov/pub/irs-pdf/p590b.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Publication 590-B</a> details the tax implications of taking money out of any type of IRA, before or after retirement. It specifies when you can't withdraw money without paying a penalty and when you must withdraw money via required minimum distributions in retirement.</p></div> </div> <div id="mntl-sc-block_42-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_43-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-how-can-i-find-out-about-changes-since-the-last-publication-590-b-was-published"></span> <h2 class="mntl-sc-block-questionandanswer__question">How Can I Find Out About Changes Since the Last Publication 590-B Was Published?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>The IRS provides updates about related developments before a new version of Publication 590-B is published on a web page titled "<a href="https://www.irs.gov/forms-pubs/about-publication-590-b" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">About Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs)</a>." These may include legislation enacted after the current edition was published.</p></div> </div> <div id="mntl-sc-block_44-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_45-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-how-long-is-irs-publication-590-b"></span> <h2 class="mntl-sc-block-questionandanswer__question">How Long Is IRS Publication 590-B?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>"2023 IRS Publication 590-B," the latest edition available as of May 2024, has 69 pages. It has three chapters and additional sections that provide information about the rules for the traditional IRA and the Roth IRA, permitted early withdrawals used to pay for damage caused by natural disasters, rules for required distributions, taxation of IRAs, regulations for filing the form required to report distributions from any type of IRA, and more.</p></div> </div> <div id="mntl-sc-block_46-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-the-bottom-line"></span><h2 id="mntl-sc-block_47-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> The Bottom Line </span> </h2> <p id="mntl-sc-block_48-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> IRS Publication 590-B spells out the tax implications of withdrawing money from an IRA before or after you retire. The publication comprises three chapters, several appendixes, and worksheets to assist the taxpayer. Publication 590-A covers the tax rules for contributing to retirement accounts. The publication also outlines the penalties for early withdrawal of IRA funds, and the exceptions to those penalties. </p></div> <div id="textnote-placeholder_1-0" class="comp textnote-placeholder mntl-block"></div> <div id="textnote_1-0" class="comp textnote mm-ads-gpt-adunit gpt textnote "> <div id="textnote" class="wrapper" data-timed-refresh="30000" ></div> </div></div> </div><div class="loc article-post-content"><div id="article-sources_1-0" class="comp article-sources mntl-article-sources mntl-expandable-block" data-scroll-offset="100"><div class="loc toggle-content"><div id="mntl-article-sources__wrapper_1-0" class="comp mntl-article-sources__wrapper mntl-block article-sources__wrapper" data-click-tracked="true"><div id="mntl-article-sources__heading_1-0" class="comp mntl-article-sources__heading mntl-text-block article-sources__heading">Article Sources</div> <div id="mntl-article-sources__icon-wrapper_1-0" class="comp mntl-article-sources__icon-wrapper mntl-block article-sources__icon-wrapper"><div id="article-sources__show-icon_1-0" class="comp article-sources__show-icon mntl-block"></div> <div id="article-sources__hide-icon_1-0" class="comp article-sources__hide-icon mntl-block"></div></div></div> </div><div class="loc expandable-content"> <div id="article-sources__disclaimer_1-0" class="comp article-sources__disclaimer mntl-block">Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our <a href="https://www.investopedia.com/legal-4768893#EditorialPolicy" rel="nocaes" class="article-sources__disclaimer-text-link mntl-text-link " id="article-sources__disclaimer-text-link_1-0" data-tracking-container="true" ><span class="link__wrapper">editorial policy.</span></a></div> <div id="mntl-article-sources__citation-sources-1_1-0" class="comp mntl-article-sources__citation-sources-1 mntl-citation-sources mntl-sources" data-tracking-container="true"> <ol class="mntl-sources__content"> <li class="mntl-sources__source" id="citation-1"><p>Internal Revenue Service. "<a href="https://www.irs.gov/retirement-plans/traditional-and-roth-iras" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Traditional and Roth IRAs</a>."</p></li> <li class="mntl-sources__source" id="citation-2"><p>Internal Revenue Service. "<a href="https://www.irs.gov/pub/irs-pdf/p590b.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Publication 590-B</a>," Page 27</p></li> <li class="mntl-sources__source" id="citation-5"><p>Internal Revenue Service. "<a href="https://www.irs.gov/pub/irs-pdf/p590b.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">2023 Publication 590-B</a>," Pages 36-37.</p></li> <li class="mntl-sources__source" id="citation-4"><p>Internal Revenue Service. "<a href="https://www.irs.gov/pub/irs-pdf/p590b.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Publication 590-B</a>," Page 28.</p></li> </ol> </div> </div></div> <div id="performance-marketing_1-0" class="comp performance-marketing mntl-block "><div id="gam-ad-table_1-0" class="comp gam-ad-table ad-table mntl-block"><div id="brokertable--v2_1-0" class="comp brokertable--v2 brokertable finance-ad-table mm-ads-ad-table mntl-block ad-table--v2" data-ad-table="brokertable2-"><div id="mm-ads-ad-table__heading_1-0" class="comp mm-ads-ad-table__heading mntl-text-block">Compare Accounts</div> <div id="mm-ads-ad-table__disclosure_1-0" class="comp mm-ads-ad-table__disclosure mntl-block" data-tracking-container="true"><button id="mm-ads-ad-table__disclosure-label_1-0" class="comp mm-ads-ad-table__disclosure-label mntl-button"> Advertiser Disclosure </button> <div id="mm-ads-ad-table__disclosure-description_1-0" class="comp mm-ads-ad-table__disclosure-description mntl-block"><div id="mm-ads-ad-table__disclosure-close_1-0" class="comp mm-ads-ad-table__disclosure-close mntl-text-block">×</div> <div id="mm-ads-ad-table__disclosure-content_1-0" class="comp mm-ads-ad-table__disclosure-content mntl-text-block">The offers that appear in this table are from partnerships from which Investopedia receives compensation. 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