IRA Contribution Limits
The IRA contribution limit applies to the total amount you can contribute across all IRAs in your name—including both Traditional and Roth IRAs—for a given tax year.
For the 2025 tax year, the contribution limit is:
- $7,500 if you are under 50.
- $8,600 if you are 50 or older.
For the 2025 tax year, the contribution limit was:
- $7,000 if you were under 50.
- $8,000 if you were 50 or older.
IRA Contribution Deadlines
You can contribute to an IRA for a given tax year until the tax filing deadline of the following year. However, deadlines vary depending on the type of IRA you are contributing to.
Standard Contribution Deadline (Traditional & Roth IRAs)
- For the 2025 tax year, the deadline to contribute is 4/15/2026.
- Extensions do not apply—even if you file an extension, contributions for 2025 must be made by 4/15/2026.
SEP IRA Contribution Deadline
- SEP IRAs follow different rules. You can contribute for the 2025 tax year up until your business tax filing deadline, including extensions.
- If you file an extension, your SEP IRA contribution deadline is extended to 10/15/2026.
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