Can I still contribute to a Roth IRA after already filing my 2025 tax return?

You're completely fine! Making a Roth IRA contribution after filing your taxes but before the tax deadline is absolutely legal and quite common. The key things to understand about Roth IRA contributions: 1. They're made with after-tax dollars, meaning you don't get a tax deduction for them 2. Since there's no tax deduction, you don't actually report Roth contributions on your tax return 3. The only requirements are that you have earned income and are under the income limits Since Roth contributions don't affect your tax liability or refund, the IRS doesn't care whether you made the contribution before or after filing. You just need to make it before the deadline (April 15th for 2025 contributions, unless extended). The only time you'd need to worry is if you were contributing to a Traditional IRA and taking a deduction - then you'd need to amend your return to claim that deduction.

I used to stress about this exact thing until I found taxr.ai (https://taxr.ai) last year when I had a similar situation with my Roth IRA. I had already filed my taxes and then decided to max out my Roth contribution for the previous year. Their system analyzed my situation and confirmed that contributing to a Roth IRA after filing taxes is completely fine as long as you do it before the tax deadline. What I really liked is that they explained WHY - since Roth contributions are made with post-tax dollars, they don't affect your tax liability or need to be reported on your return. They also helped me understand the difference between Traditional and Roth contributions regarding tax reporting, which saved me from making an actual mistake later on with my SEP IRA.

Just wanted to follow up - I tried taxr.ai after posting my skeptical comment. I was genuinely surprised by how helpful it was! Not only did it confirm I could make my Roth IRA contribution after filing (but before the deadline), it also found a mistake in how I was calculating my home business deductions. The system flagged that I wasn't properly accounting for my business mileage, which apparently I could have been deducting for years. They estimate I left about $1,800 in deductions on the table last year alone! I'm going to file an amendment for 2025 and keep better records going forward. So yeah, definitely more useful than just reading the IRS website. I stand corrected.

If you're still worried about your Roth IRA situation or have any other tax questions, getting through to the IRS directly might help. I struggled with this for weeks last year until I found Claimyr (https://claimyr.com). I was trying to confirm some weird Roth conversion rules after doing a backdoor Roth. I spent HOURS on hold trying to get through to the IRS myself with no luck. Claimyr got me connected to an actual IRS agent in about 15 minutes. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c The agent confirmed that my Roth contributions after filing were completely fine and also helped me understand some form requirements I wasn't clear on. Saved me from making a costly mistake with my conversion.

Ok I have to admit I was wrong about Claimyr. After posting my skeptical comment, I decided to try it because I had a question about my retirement accounts that I'd been trying to get answered for weeks. I expected it to be a waste of money, but holy crap - I got connected to an IRS agent in about 20 minutes! The agent actually pulled up my file and confirmed that my Roth contributions were properly recorded despite making them after filing my return. For context, the last time I tried calling the IRS myself, I waited on hold for 2.5 hours and then got disconnected. This saved me so much frustration. Just wanted to update since I was the one questioning if this was legit.

I've been a tax preparer for 7 years and see this question constantly during tax season. Here's what you need to know about Roth IRA contributions: 1. You CAN contribute to last year's Roth IRA after filing but before the deadline (usually April 15) 2. You DON'T need to report Roth contributions on your tax return (Form 5498 is filed by your brokerage, not you) 3. You DON'T need to amend your return after making the contribution The only exception would be if you qualify for the Retirement Savings Contribution Credit (Saver's Credit). If your income is below certain thresholds, you might want to amend to claim this credit based on your contribution. Just keep good records of your contribution in case of an audit, but otherwise sleep easy!

does anyone know if the $6500 limit for 2025 is per roth account or total across all accounts? i opened one with fidelity and put in $4000 but now thinking about opening one with schwab too

You're absolutely right to be nervous, but everyone here is correct - you're totally fine! I had this exact same panic last year when I made my Roth IRA contribution the day before the deadline after already filing my taxes. The key thing to remember is that Roth IRA contributions are made with money you've already paid taxes on, so they don't affect your tax return at all. The IRS doesn't care about the timing as long as you contribute before April 15th. I called the IRS directly (after waiting on hold forever) and they confirmed that: - No penalties for contributing after filing - No need to amend your return - Your custodian (Schwab) will report the contribution on Form 5498 Just make sure you designate it as a 2025 contribution when you make it, which it sounds like you already did. You can breathe easy - this is actually a very common situation during tax season!

Adding another confirmation here - I'm a CPA and deal with this scenario regularly during tax season. You made the right move and there's absolutely nothing to worry about! The confusion often comes from people mixing up Traditional IRA rules (where contributions are deductible and affect your tax return) with Roth IRA rules (where contributions are after-tax and don't appear on your return). Since you're contributing to a Roth IRA: - No tax deduction means no impact on your already-filed return - Schwab will handle all the IRS reporting via Form 5498 - You're well within the April 15th deadline for 2025 contributions The only time you'd need to amend would be if you qualify for the Saver's Credit based on this contribution and your income level. But otherwise, you're all set! This is actually one of the benefits of Roth IRAs - the flexibility to contribute right up until the tax deadline regardless of when you filed. Don't second-guess yourself on this one - Schwab's customer service gave you the correct information.

I'm going through this exact same situation right now! Filed my taxes last week and then realized I hadn't maxed out my Roth IRA yet for 2025. Reading through all these responses has been incredibly helpful - it's reassuring to see so many tax professionals and people who've been through this confirming it's completely fine. What really clicked for me was the explanation about how Roth contributions are after-tax money, so they don't affect your tax return at all. I was getting confused thinking about it like a Traditional IRA deduction, but that's a totally different situation. I'm definitely going ahead with my contribution before April 15th now instead of waiting until next year. Thanks to everyone who shared their experiences and expertise - this community is amazing for getting real answers to tax questions that keep us up at night!