<prompt> Human: Ive opened a Roth IRA with Vanguard, where I have my 403b and TDA already, and would like to fill er up.Can I make a 5.5k contribution before April 15th, adjust my 5.5k tax return accordingly, and then make a 5.5k contribution after April 15th but still within the 2016 calendar year, with no tax penalty? Or does the April 15th deadline simply allow me to apply my contribution in the 2016 calendar year to my 2015 taxes, but not avoid the penalty for contributions above 5.5k by calendar year, if it is in fact by calendar year?  <response>: Tax year.You could contribute 11K currently, for example, 5,500 each for 2015 and 2016, if youve not made contributions for 2015 or 2016. I think thats what youre asking... 