There are no extensions for IRA contributions, even if you have an extension to file your tax return.
Nobody knows what future tax rates will be.
You've got to watch your income this year like no other year, ... Your Tax Questions Answered.
You may think you will be in a lower tax bracket later, but you don't know.
It's a nightmare, ... Your Tax Questions Answered.
All the calculators do is project an interest rate and a tax rate for retirement. You can't rely on that. It's a guide, maybe.