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IRA withdrawing and payback period

How soon I need to pay back Traditional IRA without paying taxes and penalty

You can do a rollover to a Traditional IRA within 60 days of the date you received the distribution.

This would qualify as a tax-free, penalty-free rollover.

Please note that if taxes were withheld from the distribution, you'll have to use other funds to rollover the gross amount of the distribution.

Please read this IRS document for more information.

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If I withdraw 3/5/25 and pay back in 12/15/25 do I have to pay tax on it. I'm 69 years old

Do I have to include income in 2024 tax year?

Please clarify. Do you mean 3/5/24 and 12/15/24?

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