This question cannot be answered without a lot more information. You may be in a position where you cannot take a deduction for contributions to a traditional IRA; or your marginal tax rate may be different from another where one person might save 15 cents on the dollar and another more. The best way to see your savings is to add in the amount you think you may contribute and see the change, and then take it out if you are not going to make the contribution by the deadline.