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.

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.