"The deadline for contributing to certain tax-advantaged accounts isn't the calendar year. You have until tax day for the year that you are claiming the contributions to invest your money. This is the case for both traditional IRAs and Roth IRAs, although it is not the case for 401(k) contributions, which generally do have a calendar-year deadline. Since both traditional IRAs and Roth IRAs allow you to invest until the tax deadline, you can put money into these accounts until April 15, 2026."
"Money can be put into this account until the time of the employer's tax filing deadline, including any extensions. For most people who are investing in their own IRAs, this is good news because it means that you have over 100 more days to invest for 2025 if you haven't yet maxed out your contributions. Since IRAs are an excellent investment account with generous tax breaks that make investing for retirement easier, this extra time could be a great thing to take advantage of."
You can make 2025 traditional and Roth IRA contributions until the 2026 tax-filing deadline on April 15, 2026. SEP-IRA contributions may be made until the employer's tax filing deadline, including extensions. 401(k) contributions generally must follow the calendar-year deadline and cannot be made after year-end. The 2025 IRA contribution limit was $7,000, with a $1,000 catch-up contribution allowed for those aged 50 and over, raising the limit to $8,000. Many investors therefore have over 100 additional days after year-end to add to retirement accounts and take advantage of tax-advantaged savings.
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