Making a deductible contribution to your Traditional IRA should affect your refund amount because your taxable income will be reduced by $3000 if you qualify to deduct the contribution. Making a contribution to your Roth IRA would not have the same effect because those contributions are not deductible.
However, either type of contribution may qualify you to claim the Retirement Savings Contribution Credit, which would affect your bottom line refund amount.
Be sure to visit the Retirement Savings Contribution Credit section of your return after you have entered the IRA contribution.
When you file your tax return, you are stating to the IRS that you are making the IRA contribution by the due date of your tax return. After that due date, the financial institution that holds the IRA will issue a form to you and the IRS to indicate that a contribution was made. At that time, the IRS will match that information to your return and notify you if there is a discrepancy.
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