<prompt> Human: I opened the account in September of this year. I assume that those contributions count towards 2017. When can I make 2018 contributions? Do I have to wait a full year, till tax day in April, or can I add 5500 starting January 1st?Also, my account is currently maxed out for 2017 aka 5500.  <response>: You can make contributions for 2018 starting on January 1st, 2018. You also have until tax day April 17th, to make contributions for 2017. So between January 1st , 2018 and April 17th, 2018 you will have an option to apply your contribution to 2017 or 2018. After April 17th you can only contribute to 2018. 