US Finance
April 15, 2026 Tax Deadline: 12 Days to Maximize Your IRA and Capital Gains Strategy
April 15, 2026 is exactly 16 days away as of March 30 — and it is one of the most financially consequential deadlines of the year. It is simultaneously the federal tax filing deadline, the last day to make 2025 IRA contributions ($7,000 limit, $8,000 for age 50+), and a window for capital gains optimization. With the S&P 500 down 7.1% year-to-date in 2026, there are also genuine tax-loss harvesting opportunities. We cover the 2026 LTCG brackets, the IRA deadline mechanics, and the five actions to take before April 15.