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The $2K is simply the maximum amount the law allows you to contribute. The rest of it is up to you and the rules and expenses of the account you choose. When IRA's first came out there were companies that set up monthly contribution by payroll deduction for their employees. Some of these may still be around.

So you may make your contribution at any time, and in any combination of payments you find convenient as long as they are made between Jan 1 and tax day, Apr 15 of the year following.

In some accounts there can be transaction fees and transaction minimums that impose some limits. But its all a matter of choosing an account that suits your needs. There are no legal limits.
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