Despite the date on the calendar, 2015 is not over yet! Whether you have a Roth or Traditional IRA, you still have time to make your contribution count towards 2015. In order to capitalize on a 2015 contribution, you must open an account (if you don't already have one) and make a contribution before the April 18, 2015 IRS deadline (April 19th if you live in Maine or Massachusetts). SEP IRA owners have until October 17, 2016 to contribute if they choose to file an extension.