If you take out an amount equivalent to the sum you contributed to yourRoth IRA, the distribution is not consideredtaxable income, regardless of your age, nor is it subject to penalty. However, if you withdraw an amount that exceeds your total contributions—meaning you withdraw the account...
With a Roth IRA, you can withdraw an amount equivalent to the contributions you have made at any time without penalties or taxes. This does not, however, apply to a Roth IRA’s earnings, for which preretirement withdrawals if you’re under age 59½ still come with a 10% penalty.183 ...