What is the deadline to contribute to an IRA or Qualified Plan?
Qualified plans must be established by the last day of your fiscal year if contributions are to be made for that year. If you have a calendar year end, you need to establish the plan on or before the last day to contribute for that year. The contributions may be made until your company tax year deadline including extensions. 401(k) deferrals must be made no later than 30 days after which the contributions are received. SEP IRA and SIMPLE IRA contributions may be made by the company tax deadline plus extensions, except for defaults, which follow the above rules. IRA contributions must be made by April 15 with no extensions.
