The deadline to make a 2025 tax year IRA contribution is April 15, 2026. That's the unextended tax filing deadline. After it passes, you can no longer fund your 2025 IRA — ever.
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The IRA contribution deadline for any given tax year is April 15 of the following year, with weekend and holiday adjustments. Here's the full table:
| Tax year | Contribution deadline | Day of week |
|---|---|---|
| 2024 | April 15, 2025 | Tuesday (passed) |
| 2025 | April 15, 2026 | Wednesday (this year) |
| 2026 | April 15, 2027 | Thursday |
| 2027 | April 17, 2028 | Monday (weekend shift) |
Note: when April 15 falls on a Saturday, Sunday, or Emancipation Day in DC, the deadline shifts to the next business day.
Most articles treat "the IRA deadline" as one date. It isn't. Here's how each account type works:
Deadline is April 15, 2026 for the 2025 tax year. Filing a tax extension does not extend this. The window from January 1 to April 15 is the only time you can choose which tax year your contribution counts toward.
Deadline matches the business tax filing deadline, including extensions. Sole proprietors get until April 15 (or October 15 with extension). S-corps and partnerships have a March 15 base deadline (September 15 with extension).
You probably already knew the deadline was April 15. The harder part is acting on it. Most people don't decide to skip a contribution. They decide to do it next week, then next month, until April 14 arrives and they realize the bank transfer won't post in time.
Brokerages typically need 2 to 3 business days to clear an ACH transfer. If you initiate the transfer on April 14, 2026, the contribution may not post until April 17. That counts toward the 2026 tax year, not 2025.
A reminder set for early February gives you 9 weeks of buffer. See the last-minute IRA contribution guide for the brokerage-specific cutoffs, or set up a recurring annual reminder on the main IRA contribution page.
The 2026 IRA contribution deadline is April 15, 2027. Set a reminder now for early February 2027 — you'll get an email well before the window closes, with enough time to actually fund the account.
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April 15, 2026. This is the unextended federal income tax filing deadline. Both Traditional and Roth IRA contributions for the 2025 tax year must be made (deposited and posted at the brokerage) by this date.
No. A Form 4868 extension extends only your filing deadline to October 15. It does not extend the IRA contribution deadline, which remains April 15. SEP IRAs are different — those follow the employer's tax deadline including extensions.
January 1, 2026. From January 1 to April 15, 2026, you can designate contributions for either tax year 2025 or 2026 — you must specify which on the brokerage form. After April 15, 2026, all new contributions count toward 2026 only.
The SEP IRA deadline matches the business tax filing deadline including extensions. For most sole proprietors filing Schedule C, that's April 15 (or October 15 with an extension). For S-corps and partnerships, it's March 15 (or September 15 with an extension).
The deadline shifts to the next business day. April 15, 2026 falls on a Wednesday, so the deadline is April 15, 2026. In years when April 15 lands on a Saturday or Sunday, you get the following Monday. Emancipation Day in DC can also push the deadline by one day.
The contribution must be received and posted by your brokerage before midnight in their time zone. Most brokerages accept ACH transfers initiated by 11:59 PM, but bank transfers can take 1-3 business days to clear. To be safe, initiate any transfer by April 12 at the latest.
One free email reminder, set to fire weeks before April 15. Recurring every year. No account, no app.
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