When do you top off your Roth IRA for the year?

[hesitantbride]

We contribute money monthly to our Roth IRAs but I still need to kick in $1-2 k in the near future to get to the $5k limit.

What is your routine for topping off the Roth IRA amount for the tax year? Do you wait until April, or do you do it at the end of the year?

[kadams767]

We put away $833/month to cover both DH and me, then fully fund one in April and one in October.

[Deleted]

We do traditional IRAs rather than Roth, but we each contribute $417 a month to them, which gets us to the limit in December.

[ondaflipside]

We do the autodeduct monthly too. One less thing for us to think about.

I would recommend doing it in the year. Makes your bookkeeping so much easier. And one less thing to do by 4/15.

[moonstone523]

We do monthly, but we probably do need to top off, or perhaps have to cut one month. Not sure as it's on auto.

[Deleted]

we max our traditional IRAs after we get our holiday bonuses. So mid-December.

I contribute $417 a month for mine, but we dont contribute anything to DH's until we get his bonus.

[Susie]

Sometime between when I do our taxes in Feb, and April 15. Usually more than once during that period.

[SJ]

I play around with it quite a bit. I used to have it on automatic withdrawal every month, but lately I have been doing lump sums from my quarterly bonuses (I'll throw $1,000 in each Roth or something).

No matter what, I check after our taxes are prepared (ie before 4/15) to make sure they are both maxed out.