Does Roth IRA Have Early Withdrawal Penalty? 
A withdrawal can be made from a Roth IRA without incurring any income tax or penalty to a point . If you have held the contract for more than five years and have passed age 59.5 , or are disabled distributions are income tax free . If you are using the funds for education , there isnt the 10 % penalty . You can withdraw the total of your contributions without income tax or the 10 % penalty . 