IRA contributions can be made up to the due date for filing your tax return for that year. For example, for most people, that means 2021 contributions must be made by April 15, 2022. If you make contributions for 2021 between Jan. 1 and April 15, 2022, be sure to tell your plan sponsor which year the contribution is for because you can also start contributing for 2022 on Jan. 1, 2022.