Maximize your IRA contributions

ARTICLE TAKEAWAYS

  • Federal deadlines and limits on IRA contributions
  • You can link a bank account to your IRA for contributions
  • How to establish an automatic contribution plan for your IRA

From contribution limits and deadlines to how to contribute online, here’s what you should know before making your traditional or Roth IRA contribution:

Contribution limits

Contribution limits are $7,000 for 2025 and $7,500 for 2026 or $8,600 if you’re age 50 or older.

Note: Review the IRA comparison table to determine whether you are eligible to contribute to a Roth IRA.

Contribution deadline

Traditional and Roth IRA contributions for 2025 are due April 15, 2026.

Link your bank account to buy shares

You can buy shares for your IRA with a linked bank account. If your bank account isn’t linked with your Capital Group account, you’ll receive step-by-step instructions when buying fund shares. Be sure to have a check or your bank account information on hand.

Exchange shares from another account

You can also exchange shares to contribute to your IRA by moving money from an existing individual or joint Capital Group account. Keep in mind that the Internal Revenue Service considers the movement out of the non-retirement account a taxable event.

Set up an automatic investment plan

You can automatically invest a specified dollar amount on a recurring basis in 1 or more funds in your account. Take the following steps to set up a plan.

  1. Log in to your account
  2. On your Account Summary screen, select Automatic Transactions
  3. Select Investments

We encourage you to discuss your financial goals, eligibility and individual tax situation with your tax advisor or financial professional.

Related content

IRA comparison table
Traditional and Roth IRA contributions
Automatic investment plans: A systematic, all-weather strategy

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