{"id":12002,"date":"2023-02-27T07:05:25","date_gmt":"2023-02-27T12:05:25","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=12002"},"modified":"2025-05-08T02:38:04","modified_gmt":"2025-05-08T06:38:04","slug":"what-to-do-if-you-made-excess-roth-ira-contributions","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/","title":{"rendered":"What to do if you made excess Roth IRA contributions"},"content":{"rendered":"\n<p>Retirement planning involves setting financial goals and creating a strategy to achieve\nthem in order to ensure a secure and comfortable future. There are a number of\nretirement saving vehicles that you can choose from, such as a 401k retirement\naccount, mutual funds, pension plans, index funds, stocks, bonds, real estate,\netc. <\/p>\n\n\n\n<p>An Individual Retirement Account (IRA) is a common retirement vehicle used to save for retirement. IRAs can be used for retirement and\nother needs. Some people also use them to save for their children&#8217;s higher\neducation expenses. There are two main types of IRAs: Traditional and Roth.\nTraditional IRAs offer tax-deductible contributions and tax-deferred growth,\nwhile Roth IRAs offer tax-free withdrawals in retirement. Both these accounts\ncan be opened at a bank or with a broker, insurance company, or union. IRAs can\nhelp with retirement planning by offering a way to save and invest for the\nfuture and by providing a range of investment options to match your individual\nrisk tolerance and financial goals.<\/p>\n\n\n\n<p>However, when investing in a Roth IRA, it is essential to adhere to the rules and regulations. Roth IRAs have contribution limits and restrictions for withdrawals that you need to incorporate into your retirement plan to avoid&nbsp;excess Roth IRA contributions. You may also <a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?kwd=made_excess_roth_ira_contributions&amp;pagetype=blog\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"consult with a professional financial advisor (opens in a new tab)\"><strong>consult with a professional financial advisor<\/strong><\/a> who can advise you on what to do if you have made excess contributions to your Roth IRA account.&nbsp; <br> <br> Read below to learn&nbsp;what happens if you contribute too much to a Roth IRA&nbsp;and how to plan your investments wisely to avoid doing so. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69eb988c704ba\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69eb988c704ba\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#Why_is_there_a_limit_on_the_amount_you_can_contribute_to_a_Roth_IRA\" title=\"Why is there a limit on the amount&nbsp;you can contribute to a Roth IRA?\">Why is there a limit on the amount&nbsp;you can contribute to a Roth IRA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#What_happens_if_you_over-contribute_to_a_Roth_IRA\" title=\"What happens if you over-contribute to a Roth IRA?\">What happens if you over-contribute to a Roth IRA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#Below_are_the_contribution_limits_for_2023\" title=\"Below are the contribution limits for 2023:\">Below are the contribution limits for 2023:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#How_to_withdraw_excess_contributions_from_Roth_IRAs\" title=\"How to withdraw excess contributions from Roth IRAs\">How to withdraw excess contributions from Roth IRAs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#What_other_options_can_you_consider_if_you_have_contributed_too_much_to_your_Roth_IRA\" title=\"What other options can you consider if you have contributed too much to your Roth IRA?\">What other options can you consider if you have contributed too much to your Roth IRA?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#1_Accommodate_the_excess_contribution_in_the_next_year\" title=\"1. Accommodate the excess contribution in the next year\">1. Accommodate the excess contribution in the next year<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#2_Contribute_to_a_Traditional_IRA\" title=\"2. Contribute to a Traditional IRA&nbsp;\">2. Contribute to a Traditional IRA&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#Common_reasons_for_excess_Roth_IRA_contributions\" title=\"Common reasons for&nbsp;excess Roth IRA contributions\">Common reasons for&nbsp;excess Roth IRA contributions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#5_reasons_you_may_make_excess_contributions_to_your_IRA\" title=\"5 reasons you may make excess contributions to your IRA:\">5 reasons you may make excess contributions to your IRA:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#1_Lack_of_awareness\" title=\"1. Lack of awareness:\">1. Lack of awareness:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#2_You_just_changed_your_job\" title=\"2. You just changed your job:\">2. You just changed your job:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#3_Late_contributions\" title=\"3. Late contributions:\">3. Late contributions:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#4_Catch-up_contributions\" title=\"4. Catch-up contributions:\">4. Catch-up contributions:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#5_Automated_contributions\" title=\"5. Automated contributions:\">5. Automated contributions:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#To_conclude\" title=\"To conclude\">To conclude<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#About_Dash_Investments\" title=\"About Dash Investments\">About Dash Investments<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_there_a_limit_on_the_amount_you_can_contribute_to_a_Roth_IRA\"><\/span>Why is there a limit on the amount&nbsp;you can contribute to a Roth IRA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Contribution limits provide structure to\nretirement savings. The government imposes contribution limits on Roth IRAs for\na variety of reasons, including limiting the amount of tax-preferred treatment\nand ensuring that IRAs are not used to accumulate wealth unfairly. In addition,\ncontribution limits help ensure that Roth IRAs\nare used for their intended purpose, and allow\nthe government to earn revenue. By setting limits, the government can help to\nensure that IRAs are used in a way that is consistent with their intended\npurpose and that the benefits of IRAs are available to a broader range of\ninvestors. <\/p>\n\n\n\n<p>It is important to understand that Roth IRAs are\ntax-advantaged accounts. As a result, most people use them to gain tax benefits\nwhile also saving for their retirement. However, it is primarily the tax\nbenefits that set them apart from other savings and investment vehicles.\nContribution limits serve as a way to limit the amount of tax-preferred\ntreatment that you can receive from a Roth IRA. Tax-free withdrawals for Roth\nIRAs can help you save a lot of money. The contribution limits help to ensure\nthat these tax benefits are not used excessively. This way, you use them to\nsave for retirement and not to avoid paying taxes on a large amount of income.<\/p>\n\n\n\n<p>Contribution limits also help to ensure that\nIRAs are used ethically. If there were no contribution limits, people could use\nIRAs to protect a large portion of their income from taxes and shift the tax\nburden to others. By setting limits, the government can ensure that taxes are\nuniformly paid by all taxpayers, and no one gets an undue advantage. The\ncontribution limits also help the government earn money and use it for public\ndevelopment. Taxes are a major source of income for governments. With high\ncontribution limits, the tax savings would also be higher, robbing governments\nof the chance to earn revenue.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Lastly, contribution limits also help to make\nIRAs more accessible to a wider range of individuals. Without limitations, the\ntax benefits of IRAs would essentially be available to high-income individuals.\nThe limits ensure that benefits are spread out more evenly, allowing more\npeople to take advantage of the tax benefits of Roth IRAs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_happens_if_you_over-contribute_to_a_Roth_IRA\"><\/span>What happens if you over-contribute to a Roth IRA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In 2023, you can contribute up to $6,500 to a\nRoth IRA if you are under the age of 50, and $7,500 if you are 50 or older.\nPeople aged 50 or more have a catch-up contribution limit of $1,000. It is\nimportant to know your Roth IRA contribution limits are decided on the basis of\nyour Modified Adjusted Gross Income (MAGI). <\/p>\n\n\n\n<p><strong>If you contribute more than these\nlimits, you will owe a 6% tax penalty on your excess contributions. <\/strong>You\nwill have to pay this when you file your income tax return for the concerned\nfinancial year. The penalty will be applied every year until you correct your\nmistake.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Below_are_the_contribution_limits_for_2023\"><\/span>Below are the contribution limits for 2023:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table alignleft is-style-stripes\"><table class=\"\"><tbody><tr><td width=\"40%\"><strong>Filing status<\/strong>   <\/td><td><strong>MAGI in 2023<\/strong>   <\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Contribution limit<\/strong>   <\/td><\/tr><tr><td>Married taxpayers filing jointly or qualifying widow(er)   <\/td><td>Less than $218,000   <\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to the maximum limit   <\/td><\/tr><tr><td>Married taxpayers filing jointly or qualifying widow(er)   <\/td><td>More than $218,000 but lower than $228,000   <\/td><td class=\"has-text-align-left\" data-align=\"left\">Reduced amount   <\/td><\/tr><tr><td>Married taxpayers filing jointly or qualifying widow(er)   <\/td><td>$228,000 or more   <\/td><td class=\"has-text-align-left\" data-align=\"left\">Zero   <\/td><\/tr><tr><td>Single, head of household, or married taxpayers filing   separately if you did not live with your spouse at any time during the   financial year   <\/td><td>Less than $138,000   <\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to the maximum limit   <\/td><\/tr><tr><td>Single, head of household, or married taxpayers filing   separately if you did not live with your spouse at any time during the   financial year   <\/td><td>More than $138,000 but lower than $153,000   <\/td><td class=\"has-text-align-left\" data-align=\"left\">Reduced amount   <\/td><\/tr><tr><td>Single, head of household, or married taxpayers filing   separately if you did not live with your spouse at any time during the   financial year   <\/td><td>More than $153,000   <\/td><td class=\"has-text-align-left\" data-align=\"left\">Zero   <\/td><\/tr><tr><td>Married taxpayers filing separately and you lived with   your spouse at any time during the year   <\/td><td>Less than $10,000   <\/td><td class=\"has-text-align-left\" data-align=\"left\">Reduced amount   <\/td><\/tr><tr><td>Married taxpayers filing separately and you lived with   your spouse at any time during the year   <\/td><td>$10,000 or more   <\/td><td class=\"has-text-align-left\" data-align=\"left\">Zero   <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_withdraw_excess_contributions_from_Roth_IRAs\"><\/span>How to withdraw excess contributions from Roth IRAs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In order to correct your&nbsp;excess Roth IRA contributions<strong>,&nbsp;<\/strong>you need to remove your excess\ncontributions and the earnings on these contributions. For example, if you\ninvested $2,000 in excess in a Roth IRA and earned 10% interest on it,\namounting to $200, you will have to remove $2,200 from your Roth IRA. You can do\nthis on or before the due date for filing your tax return. These withdrawals\nwill not be considered withdrawals and will not be subject to the 10% penalty\nthat is applied to an early withdrawal before the age of 59.5 years. Excess\nwithdrawals will simply eliminate the investment from your account like it\nnever happened.<\/p>\n\n\n\n<p>It is essential to know how to calculate your\nexcess contribution. The Internal Revenue Service (IRS) provides the following\nformula for the same:<\/p>\n\n\n\n<p>Net income Attributable (NIA) = Excess\ncontribution to be removed x Adjusted Closing Balance (ACB) \u2013 Adjusted Opening\nBalance (AOB)\/ Adjusted Opening Balance<\/p>\n\n\n\n<p>Here,&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The adjusted opening balance is the previous Roth IRA balance, including all permitted and excess contributions.<\/li>\n\n\n\n<li>The adjusted closing balance is the current value of the Roth IRA minus all distributions and transfers.<\/li>\n<\/ul>\n\n\n\n<p>You can contact your Roth IRA plan administrator to correct the excess contribution. If you realize your mistake after the due date of filing the tax return, you can still remove the excess contribution within six months and file a return by October 15, if eligible.<\/br><\/br><\/p>\n\n\n\n<style type=\"text\/css\">\r\n  .articles-ad-page {\r\n   border-top: 1px solid #ADADAD;\r\n   border-bottom: 1px solid #ADADAD;\r\n   padding: 15px 0;\r\n   margin-bottom: 10px;\r\n   display: block;\r\n  }\r\n\t.articles-ad-page {padding: 10px 5px; border-top: 1px solid #BEBEBE; border-bottom: 1px solid #BEBEBE; margin-bottom: 20px;\t}\r\n\t.articles-ad-page img {float: left; margin-right: 20px; max-width: 140px; margin-top: 5px; margin-bottom: 5px; border-radius: 0;}\r\n\t.articles-ad-page .txt {line-height: 21px; margin-bottom: 0; font-size: 14px; margin-top: 4px; }\r\n  .articles-ad-page .txt p{font-size: 14px;}\r\n  .articles-ad-page .txt p a{color: #035184 !important; font-weight: bold; text-decoration: none;}\r\n  .spocored-text{color: #cac5c5; font-weight: 500; float: right; font-size: 12px;}\r\n  .wa-text{color: #183a68; font-weight: bold; float: left; font-size: 12px;}\r\n  .articles-ad-page .alignleft{ float:left!important;}\r\n  .txt-head{margin-bottom: 2px; text-align: left; margin-top: -6px;}\r\n  .txt-text{margin-bottom: 14px;}\r\n  @media screen and (max-width:767px) and (min-width:320px){\r\n      .articles-ad-page .txt-head {margin-top: -15px; float: left; width: 50%;}\r\n      .articles-ad-page .txt {width: 100% !important; margin-top: 12px;}    \r\n      .articles-ad-page { display: block;}\r\n    }\r\n  @media screen and (max-width: 360px) and (min-width: 320px){\r\n    .articles-ad-page .txt-head a {\r\n        font-size: 16px!important;\r\n        line-height: 16px!important;\r\n    }\r\n    .articles-ad-page .txt-head{\r\n        margin-right: 14px;\r\n            width: 45%;\r\n    } \r\n    .articles-ad-page img{ margin:0 10px 10px 0px!important;}\r\n  }\r\n<\/style>\r\n\r\n\r\n<p><span class=\"spocored-text\" >SPONSORED<\/span> <span  class=\"wa-text\">WISERADVISOR<\/span><\/p>\r\n<div class=\"clearfix\"><\/div>\r\n<div class=\"Articles-ad-page\"><img decoding=\"async\" class=\"alignleft-new\" style=\"margin-top: 0px;\" src=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/03\/ads-image-1.jpg\" alt=\"ad_article\" width=\"\" height=\"\"><p><\/p>\r\n<div class=\"txt-new\">\r\n<p style=\"margin-bottom: 22px;\"> <a href=\"https:\/\/www.wiseradvisor.com\/match_advisors.asp?kwd=paladin-blog-ad-what-to-do-if-you-made-excess-roth-ira-contributions&amp;utm_medium=middle\" style=\"color:#035184;     font-size: 20px;font-weight: 700; text-decoration: none;\" target=\"_blank\" rel=\"noopener noreferrer\">Need a financial advisor? Compare vetted experts matched to your needs. Compare credentials and fees.<\/a><\/p>\r\n<p>Choosing the right financial advisor is daunting, especially when there are thousands of financial advisors near you. We make it easy by matching you to vetted advisors that meet your unique needs. Matched advisors are all registered with FINRA\/SEC.  <a href=\"https:\/\/www.wiseradvisor.com\/match_advisors.asp?kwd=paladin-blog-ad-what-to-do-if-you-made-excess-roth-ira-contributions&amp;utm_medium=middle\" target=\"_blank\" style=\"font-weight: 700;    color: #035184;\" rel=\"noopener noreferrer\">Click to compare vetted advisors now.<\/a><\/p>\r\n<\/div>\r\n<div class=\"clearfix\"><\/div>\r\n<\/div>\r\n\r\n\r\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_other_options_can_you_consider_if_you_have_contributed_too_much_to_your_Roth_IRA\"><\/span>What other options can you consider if you have contributed too much to your Roth IRA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here are some things you can consider if you over-contribute to your Roth IRA: <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Accommodate_the_excess_contribution_in_the_next_year\"><\/span>1. Accommodate the excess contribution in the next year<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can contribute the excess amount to the following year. For instance, if you contributed $2,000 more than the prescribed limit for your income in 2022, you can remove this excess value and contribute it to the Roth IRA in 2023. However, you have to be mindful not to exceed the contribution limit for 2023. For instance, if the maximum contribution limit for 2023 is $6,000 for you, the $2,000 must be included in the $6,000. Hence, your new contributions should not amount to more than $4,000 for 2023 to ensure adherence to the contribution limits. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Contribute_to_a_Traditional_IRA\"><\/span>2. Contribute to a Traditional IRA&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Also known as recharacterization, the IRS permits you to move the excess contribution to a <a href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/advantages-of-a-traditional-ira-disadvantages-of-a-traditional-ira\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Traditional IRA (opens in a new tab)\">Traditional IRA<\/a> from a Roth IRA. However, the transfer should include the contribution as well as the earnings on your extra investments. You can either open a new Traditional IRA or move the money to an existing Traditional IRA. The transfer can be made as a trustee-to-trustee transfer before the due date for your tax return for the concerned tax year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_reasons_for_excess_Roth_IRA_contributions\"><\/span>Common reasons for&nbsp;excess Roth IRA contributions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It is normal to make excess contributions to\nyour Roth IRA. Most investors are likely to do this at least once in their\nlife. However, spotting the reasons can help you keep an eye out for them and\navoid them in the first place.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_reasons_you_may_make_excess_contributions_to_your_IRA\"><\/span>5 reasons you may make excess contributions to your IRA: <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Lack_of_awareness\"><\/span>1. Lack of awareness: <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You may not be aware of the contribution limits set by the IRS and may accidentally exceed the limit. This is common in investors, and the only way to avoid it is by being up to date with the latest limits. The IRS alters contribution limits for all tax-advantaged retirement accounts every year to accommodate the inflation rate in savings. You can check the official IRS website or refer to third-party sources to know the latest rules.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_You_just_changed_your_job\"><\/span>2. You just changed your job: <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Changing jobs and varying incomes may result in miscalculating your MAGI and IRA limits. Sometimes, this can lead to excess contributions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Late_contributions\"><\/span>3. Late contributions: <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Contributions made after the tax-filing deadline may be counted towards the current tax year, resulting in excess contributions if the contribution limit has already been reached. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Catch-up_contributions\"><\/span>4. Catch-up contributions: <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Individuals may choose to make catch-up contributions after missing contributions in previous years, resulting in excess contributions. Keep in mind that the contribution limits are unique for every financial year. If you contribute less this year, you cannot make up for it by going over the permitted limit next year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Automated_contributions\"><\/span>5. Automated contributions: <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Automated contributions can lead to excess investments if not accounted for properly. Many times, you may not realize you are investing more money than you should, as the contribution is automatically deducted from your account.<\/p>\n\n\n\n<p>Creating a financial plan that aligns with\ninvestment needs and income is vital. Contributing too much to a Roth IRA can have\nmany more consequences than just the 6% penalty. They can lead to fewer savings\nfor your present needs. They can upset your current lifestyle, force you to\nlive below means, and leave you feeling less\nfulfilled. Contributing more than you need to also eliminates the chance to put\nthat money into another investment vehicle that may offer you better gains in\nthe long run without the penalties and tax. Lastly, excess contributions can\nalso be a source of stress. The removal process can be time-consuming and\ncomplex, especially if you are used to filing your tax return on your own.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_conclude\"><\/span>To conclude<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It is important to be aware of the contribution limits for a Roth IRA and regularly monitor your contributions to ensure you do not exceed the limit. If you happen to make excess contributions, it is important to correct the mistake as soon as possible to avoid any potential penalties and fines from the IRS. It is also advised to always be up to date with the latest limits and rules. This can help you plan better and save time and money.<\/p>\n\n\n\n<p>Excess Roth IRA contributions can trouble anyone. If you require help to find a suitable financial advisor who can help you understand what happens if you over-contributed to your Roth IRA, use the <a href=\"https:\/\/www.paladinregistry.com\/landing\/find-financial-advisors?kwd=made_excess_roth_ira_contributions&amp;pagetype=blog\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"free advisor match tool (opens in a new tab)\"><strong>free advisor match tool<\/strong><\/a> to match with experienced financial advisors who can guide you on the same. Answer a few questions based on your financial needs, and the match tool will help connect you with 1-3 financial advisors that may be suited to help you.<\/p>\n\n\n\n<p>To learn more about the most suitable tax-saving strategies for your specific financial requirements, visit&nbsp;Dash Investments&nbsp;or email me directly at&nbsp;<a href=\"mailto:dash@dashinvestments.com\"><strong>dash@dashinvestments.com<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"About_Dash_Investments\"><\/span><strong>About Dash Investments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.dashinvestments.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dash Investments<\/strong><\/a>&nbsp;is privately owned by&nbsp;<a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/jonathan-dash-founder-cio-dash-investments\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Jonathan Dash<\/strong><\/a>&nbsp;and is an independent investment advisory firm, managing private client accounts for individuals and families across America. As a Registered Investment Advisor (RIA) firm with the SEC, they are fiduciaries who put clients\u2019 interests ahead of everything else.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.paladinregistry.com\/financial-advisory-firm\/woodland-hills\/california\/dash-investments\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dash Investments<\/strong><\/a>&nbsp;offers a full range of investment advisory and financial services, which are tailored to each client\u2019s unique needs providing institutional-caliber money management services that are based upon a solid, proven research approach. Additionally, each client receives comprehensive financial planning to ensure they are moving toward their financial goals. CEO &amp; Chief Investment Officer&nbsp;Jonathan Dash&nbsp;has been covered in major business publications such as Barron\u2019s, The Wall Street Journal, and The New York Times as a leader in the investment industry with a track record of creating value for his firm\u2019s clients.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Retirement planning involves setting financial goals and creating a strategy to achieve them in order to ensure a secure and comfortable future. There are a number of retirement saving vehicles that you can choose from, such as a 401k retirement account, mutual funds, pension plans, index funds, stocks, bonds, real estate, etc. An Individual Retirement Account (IRA) is a common retirement vehicle used to save for retirement. IRAs can be<\/p>\n","protected":false},"author":125,"featured_media":12010,"comment_status":"open","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[],"class_list":["post-12002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Withdraw Excess Roth IRA Contributions - Avoid Penalty | Paladin Registry<\/title>\n<meta name=\"description\" content=\"Learn about excess Roth IRA contributions, how to withdraw them, and understand how to plan your investments wisely so as to avoid any potential penalties.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Withdraw Excess Roth IRA Contributions - Avoid Penalty | Paladin Registry\" \/>\n<meta property=\"og:description\" content=\"Learn about excess Roth IRA contributions, how to withdraw them, and understand how to plan your investments wisely so as to avoid any potential penalties.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-27T12:05:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-08T06:38:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/02\/paladin.png\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"442\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jonathan Dash\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jonathan Dash\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/\",\"name\":\"How to Withdraw Excess Roth IRA Contributions - Avoid Penalty | Paladin Registry\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/02\/paladin.png\",\"datePublished\":\"2023-02-27T12:05:25+00:00\",\"dateModified\":\"2025-05-08T06:38:04+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/fc008d5f3a1f0b2e004f6820656836cd\"},\"description\":\"Learn about excess Roth IRA contributions, how to withdraw them, and understand how to plan your investments wisely so as to avoid any potential penalties.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#primaryimage\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/02\/paladin.png\",\"contentUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/02\/paladin.png\",\"width\":730,\"height\":442,\"caption\":\"Excess Roth IRA Contributions\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.paladinregistry.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Retirement\",\"item\":\"https:\/\/www.paladinregistry.com\/blog\/category\/retirement\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What to do if you made excess Roth IRA contributions\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/\",\"name\":\"Paladin Registry Blog\",\"description\":\"Helping You Make Better Financial Decisions\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.paladinregistry.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/fc008d5f3a1f0b2e004f6820656836cd\",\"name\":\"Jonathan Dash\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2024\/08\/jonathan-dash_avatar_2-96x96.jpg\",\"contentUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2024\/08\/jonathan-dash_avatar_2-96x96.jpg\",\"caption\":\"Jonathan Dash\"},\"description\":\"Jonathan Dash is the Founder of Dash Investments. As Chief Investment Officer, he is responsible for all the investment management and asset allocation decisions at the firm. With over 25 years of experience in investment management, Mr. Dash has an established reputation as a superior money manager. Dash Investments has been covered in major business publications such as Barron\u2019s, The Wall Street Journal, and The New York Times. Mr. Dash graduated from the University of Southern California with a B.S. in Finance and has also completed numerous executive programs at both Harvard Business School and Columbia Business School covering corporate restructuring, mergers and acquisitions, financial analysis and valuation. Jonathan Dash 800-549-3227\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/author\/jonathan-dash-founder-cio-dash-investments\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Withdraw Excess Roth IRA Contributions - Avoid Penalty | Paladin Registry","description":"Learn about excess Roth IRA contributions, how to withdraw them, and understand how to plan your investments wisely so as to avoid any potential penalties.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/","og_locale":"en_US","og_type":"article","og_title":"How to Withdraw Excess Roth IRA Contributions - Avoid Penalty | Paladin Registry","og_description":"Learn about excess Roth IRA contributions, how to withdraw them, and understand how to plan your investments wisely so as to avoid any potential penalties.","og_url":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/","og_site_name":"Paladin Registry Blog","article_published_time":"2023-02-27T12:05:25+00:00","article_modified_time":"2025-05-08T06:38:04+00:00","og_image":[{"width":730,"height":442,"url":"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/02\/paladin.png","type":"image\/png"}],"author":"Jonathan Dash","twitter_card":"summary_large_image","twitter_creator":"@PaladinRegistry","twitter_site":"@PaladinRegistry","twitter_misc":{"Written by":"Jonathan Dash","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/","url":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/","name":"How to Withdraw Excess Roth IRA Contributions - Avoid Penalty | Paladin Registry","isPartOf":{"@id":"https:\/\/www.paladinregistry.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#primaryimage"},"image":{"@id":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/02\/paladin.png","datePublished":"2023-02-27T12:05:25+00:00","dateModified":"2025-05-08T06:38:04+00:00","author":{"@id":"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/fc008d5f3a1f0b2e004f6820656836cd"},"description":"Learn about excess Roth IRA contributions, how to withdraw them, and understand how to plan your investments wisely so as to avoid any potential penalties.","breadcrumb":{"@id":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#primaryimage","url":"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/02\/paladin.png","contentUrl":"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2023\/02\/paladin.png","width":730,"height":442,"caption":"Excess Roth IRA Contributions"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paladinregistry.com\/blog\/retirement\/what-to-do-if-you-made-excess-roth-ira-contributions\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paladinregistry.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Retirement","item":"https:\/\/www.paladinregistry.com\/blog\/category\/retirement\/"},{"@type":"ListItem","position":3,"name":"What to do if you made excess Roth IRA contributions"}]},{"@type":"WebSite","@id":"https:\/\/www.paladinregistry.com\/blog\/#website","url":"https:\/\/www.paladinregistry.com\/blog\/","name":"Paladin Registry Blog","description":"Helping You Make Better Financial Decisions","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paladinregistry.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/fc008d5f3a1f0b2e004f6820656836cd","name":"Jonathan Dash","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2024\/08\/jonathan-dash_avatar_2-96x96.jpg","contentUrl":"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2024\/08\/jonathan-dash_avatar_2-96x96.jpg","caption":"Jonathan Dash"},"description":"Jonathan Dash is the Founder of Dash Investments. As Chief Investment Officer, he is responsible for all the investment management and asset allocation decisions at the firm. With over 25 years of experience in investment management, Mr. Dash has an established reputation as a superior money manager. Dash Investments has been covered in major business publications such as Barron\u2019s, The Wall Street Journal, and The New York Times. Mr. Dash graduated from the University of Southern California with a B.S. in Finance and has also completed numerous executive programs at both Harvard Business School and Columbia Business School covering corporate restructuring, mergers and acquisitions, financial analysis and valuation. Jonathan Dash 800-549-3227","url":"https:\/\/www.paladinregistry.com\/blog\/author\/jonathan-dash-founder-cio-dash-investments\/"}]}},"_links":{"self":[{"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/posts\/12002"}],"collection":[{"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/users\/125"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/comments?post=12002"}],"version-history":[{"count":18,"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/posts\/12002\/revisions"}],"predecessor-version":[{"id":13249,"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/posts\/12002\/revisions\/13249"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/media\/12010"}],"wp:attachment":[{"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/media?parent=12002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/categories?post=12002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paladinregistry.com\/blog\/wp-json\/wp\/v2\/tags?post=12002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}