Can I make a tax deductible Traditional IRA contribution? I did not make a regular contribution to my employers 401K plan in 2026. I did make loan repayments

[awiggs]

I don't see a way I can make an end-of year contribution on my employers 401K plan (empower)

[MaryK4]

Your traditional IRA contributions may be tax-deductible. The deduction may be limited if you or your spouse is covered by a retirement plan at work and your income exceeds certain levels.  See IRA deduction limits.

[Opus 17]

Contributions to a 401k can only be made by payroll deduction in the year in which they happen.  Unlike IRAs, you can't make out of pocket or retroactive contributions.

The deadline to make a contribution to a traditional IRA is April 15, and the transaction must settle by the 15th.  It may already be too late (but ask the broker).

You can always make an IRA contribution but if you participate in an employer plan, you can only deduct the contribution if you are under the income limits on the IRS web site.