Roth IRA withdrawals - am I thinking about this correctly?

[anonprof]

I could use your help.  2021 is the first year I'm withdrawing funds from my investments.  I'm hoping to avoid making any significant mistakes in figuring out when I can withdraw from my roth IRA without penalty. 

My Roth IRA is comprised of:
-aftertax T IRA to Roth IRA (ie backdoor conversions) for each year 2013 to 2019
-rollover roth 401k to roth IRA in year 2020 - a portion was aftertax contribution and a portion was earnings (roth ira had already been established for 5 years meeting the waiting period)
- earnings

Please confirm if my understanding is accurate that I am allowed to withdraw in 2021:
- backdoor conversions for years 2013-2016
- roth 401k rollover (original contribution portion only, NOT earnings)

In 2022, I can withdraw the backdoor conversion amount made 2017, and then so on for each subsequent year that meets the 5 year waiting period?

[seattlecyclone]

Basically yes. The 10% penalty on conversions only applies to the pre-tax part of the conversion. Suppose you contributed $6,000 to your traditional IRA in 2017 and it grew to $6,100 by the time you got around to your Roth conversion. That $100 growth was taxable in 2017 and it's only this part that will cost you 10% if you don't wait five years. You could withdraw all $6,100 this year for a whopping cost of $10 (10% of the $100 growth). Up to you to decide whether avoiding that tax is worth waiting a year on the withdrawal,

[terran]

You might find this table of the order in which withdrawals from Roth are made and the tax/penalty on those withdrawals helpful: https://www.retirementlc.com/wp-content/uploads/2017/07/2017-07-06-Roth-IRA-Distribution-Ordering-Rules.pdf

[anonprof]

Thank you for confirming!  I was hoping that was the answer, but didn't want to mess anything up.