You have until the due date of the 2019 tax return (April 15) to contribute to a 2019 IRA. Your total 2019 contributions cannot exceed the 2019 contribution limits.
However, when you make a new 2019 contribution in 2020 you MUST instruct the account trustee at the time of the contribution if it is for 2019 or 2020. Without such instructions the trustee will probably default it to 2020. Your receipt for the contribution should indicate which year it will be applied to by the trustee. If in doubt ask the trustee which year they will report it for.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
