<prompt> Human: This may be a dumb question, but since I already filed my taxes for 2015, should I continue to contribute to my underfunded Roth IRA? I claimed that I had contributed something like...1200 to my Roth for 2015, which is true, but I was anxious to file my taxes since Im expecting a large return, so I didnt have a chance to max it out which I had intended to do. Im not sure how the cut-off date works but should I continue contributing auto-debit from my bank account or do I have to wait until May of 2016? Im not sure when the clock start and stops on it being tax advantaged.Assistant: You can still contribute until the filing deadline, regardless of when you actually filed.Human: But I already claimed 1200 as my 2015 contribution, so I cant benefit from using it as a deduction anymore...?Assistant: The money you contribute to a Roth isnt deductible. It is reported on your taxes and, if you dont make very much money, can create a tax credit. Human: Im single and I make more than 71,000, according to this page see link I cant deduct any portion of my Roth IRA, correct? So the govt has arbitrarily ? determined that 5500 is the maximum annual contribution. Ive only just started saving for retirement, so I dont have anything to compare it to, but whos keeping track of what I contribute each year? Or do they just divide your final amount by the number of years the accounts been open?  <response>: You cannot deduct ANY portion of a Roth IRA, so your Roth contribution doesnt actually show up on your taxes.The 71K threshold is a figure related to the ability to deduct a traditional IRA contribution. So, if you are over that in income, it makes sense for you to do a Roth IRA contribution.Since this doesnt affect your taxes the way a trad IRA would, and it wont require you to amend your taxes, I would recommend continuing to fill up the 2015 limit. That way you can later this year fill up the 2016 limit and make the most use of this tax-advantaged retirement space. 