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Making a last-minute contribution to an IRA may help you reduce your 2018 tax bill. If you qualify, your traditional IRA contribution may be tax deductible. And if you had low to moderate income and meet eligibility requirements, you may also be able to claim the Savers Credit for 2018 based on your contributions to a traditional or Roth IRA . Claiming this nonrefundable tax credit may help you reduce your tax bill and give you an incentive to save for retirement. Learn more by clicking here or for more information, visit irs.gov.