Tools · Retirement · Seasonal

What can I still fund?

Prior-year IRA closed April 15. The next April clock is 2026 IRA / Roth through April 15, 2027. A Form 4868 extension does not reopen an IRA. It can still reopen a 2025 SEP through October 15, 2026. This-year 401(k) elective dies December 31. Limits from IRS Notice 2025-67. Read the deadline primer first.

Quick answer: This calculator counts time left until the IRA deadline the page names, shows remaining Roth MAGI room, and lists the SEP and 401(k) dates it already labels. Contribution caps are the ones printed on the page.

Age you turn this year Filing status Estimated MAGI ($) You covered by a workplace plan? Spouse covered (MFJ) Your taxable compensation ($) Spouse compensation ($)

Already in for 2026

2026 IRA / Roth already contributed Workplace elective plan 2026 elective already deferred Self-employed (Schedule C / SEP)?

Net Schedule C profit (the year of the SEP) SEP already contributed for that year Filed Form 4868 for 2025?

SEP room uses the 20% of net-after-half-SE-tax shortcut. Full 1099 math is the self-employed calculator — not rebuilt here.

Next deadline

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IRA dollar limit is across traditional + Roth. An extension never moves the IRA date. Conversions are calendar-year, not April. MAGI is yours — this is not a 1040. 2026 figures: Notice 2025-67 / IR-2025-111. Backdoor if Roth is shut: backdoor calculator. Catch-up ages: primer. Order of operations: 401(k) vs IRA vs Roth.

What this means for you

What this means for you: the clock is a calendar reminder, not a filing receipt. Room is the cap minus what you already contributed. A SEP deadline depends on the extension the page describes. 401(k) employee deferrals still end with the calendar year in this model.

How to use this calculator

Open the IRA deadline calculator and keep the sample numbers or replace them with your own. The result updates as you type.
Read the headline figure first, then the breakdown or chart under it.
Use Copy share link if you want those inputs in the URL. The page is an educational estimate, not a filing, approval, or recommendation.

FAQ

Which IRA deadline does the clock use?

The date printed on the page for the tax year it names. This review did not move that date.

What is Roth MAGI room?

The distance between your MAGI and the phase-out the page uses, converted into contribution room.

Can I make a 401(k) deferral after December 31?

Not in this model. The page separates that elective-deferral date from the IRA date.

Educational, not financial advice. Page updated October 24, 2026 — no tax, limit, or rate figure was changed in this review.