I want to max out my contributions to a retirement account for the current year. The employer pays twice monthly (mid-month and end of month). Looking at my retirement account website, there's a Transaction Date and a Payroll End Date for each deposit. The Payroll End Date is consistently on or before the 15th or the last day of the month. The transaction date, however, is consistently after the 15th or last day of the month.
So if my last paycheck for the year is on Dec 30th but the "Transaction Date" on the retirement account is after Jan 1st, does that count for this year or next year?