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Contribution Limits & Deadlines

The contribution rules for self-directed IRAs are the same as the rules for IRAs that hold exchange-traded assets. Use the table below to determine your contribution deadline and limits.

Account / Contribution Type Contribution Deadline Year Contribution Limit Catch-up (50 years+) Contribution Limit 
Traditional & Roth IRA contribution April 15* 2016 $5,500 $1,000
2017 $5,500 $1,000
SEP IRA contribution April 15 or until the date of tax-filing extension (if applicable) 2016 $53,000**  N/A
2017 $54,000** N/A
Solo(k) employee deferral contribution Employer must contribute deferrals within 30 days after the end of the month when the employee would have received them in cash 2016 $18,000*** $6,000
2017 $18,000*** $6,000
SIMPLE IRA contribution Employer must contribute deferrals within 30 days after the end of the month when the employee would have received them in cash 2016 $12,500 $3,000
2017 $12,500 $3,000
Coverdell ESA contribution April 15 2016 $2,000 N/A
2017 $2,000 N/A

*With certain exceptions for weekends and holidays, the April 15 deadline for filing your federal income tax is also the deadline to make your final traditional IRA and Roth IRA contributions. Tax-filing extensions do not apply to traditional IRA or Roth IRA contributions. As with your tax return, the IRS honors the postmark date; therefore, if you mail your contribution by April 15, you will meet the deadline.

**25% of compensation up to current compensation limit of $270,000.

***Total Employer and Employee contributions may not exceed $54,000.  For more info on one-participant 401(k) plans, click here