Question about Roth IRA contribution limit timing
I understand it needs to be done by April 15 2026 for the 2025 tax year, but what if one contributes on April 15 2026 past 4pm? Vanguard gave the option to contribute for the 2025 tax year but just want to make sure. Thanks!
Question about Roth IRA contribution limit timing
byu/RangersFan243 ininvesting
Posted by RangersFan243
2 Comments
Contribute to the 2025 year. That way if you make more money you can add to the 2026 year. This assumes you max out on at least one year. Otherwise it’s all the same.
The timing usually matters less than getting the money in before the deadline. If you know you’ll max it anyway, I’d prioritize consistency and keep the cash parked safely until you’re ready.