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ActiveInternal Revenue Service (IRS) · 2026

Saver’s Credit

Quick Facts

Agency: Internal Revenue Service (IRS)
Funding: Up to $1,000 ($2,000 if married filing jointly)
Deadline: Check Source
Status: Active
Eligibility: Individuals with income below certain thresholds who contribute to a retirement plan.

About This Grant

Saver’s Credit is sponsored by Internal Revenue Service (IRS). A nonrefundable tax credit that encourages low- and moderate-income individuals to save for retirement by contributing to an IRA or employer-sponsored retirement plan.

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Official Opportunity Details

Extracted from the official opportunity page/RFP to help you evaluate fit faster.

Retirement Savings Contributions Credit (Saver’s Credit) | Internal Revenue Service Access your tax information with an IRS account.

Include Historical Content Include Historical Content Include Historical Content Include Historical Content Business and self-employed Governments and tax-exempt bonds Indian Tribal Governments Apply for an Employer ID Number (EIN) Identity Protection PIN (IP PIN) Bank Account (Direct Pay) Payment Plan (Installment Agreement) Electronic Federal Tax Payment System (EFTPS) Tax Withholding Estimator Where’s my amended return?

Businesses & Self-Employed Earned Income Credit (EITC) Clean Energy and Vehicle Credits POPULAR FORMS & INSTRUCTIONS Fake IRS email or message Retirement Savings Contributions Credit (Saver’s Credit) Types of retirement plans Required minimum distributions Operate a retirement plan Check out the cost-of-living adjustments for retirement plans and IRAs.

You may be able to take a tax credit for making eligible contributions to your IRA or employer-sponsored retirement plan. Also, you may be eligible for a credit for contributions to your Achieving a Better Life Experience (ABLE) account, if you’re the designated beneficiary. Who's eligible for the credit?

You're eligible for the credit if you're: Not claimed as a dependent on another person’s return, and You were a student if during any part of 5 calendar months of the tax year you: Were enrolled as a full-time student at a school, or Took a full-time, on-farm training course given by a school or a state, county, or local government agency. A school includes technical, trade, and mechanical schools.

It does not include on-the-job training courses, correspondence schools, or schools offering courses only through the Internet. See Form 8880, Credit for Qualified Retirement Savings Contributions , for more information.

Depending on your adjusted gross income reported on your Form 1040 series return, the amount of the credit is 50%, 20% or 10% of: contributions you make to a traditional or Roth IRA, elective salary deferral contributions to a 401(k), 403(b), governmental 457(b), SARSEP, or SIMPLE plan, voluntary after-tax employee contributions made to a qualified retirement plan (including the federal Thrift Savings Plan) or 403(b) plan, contributions to a 501(c)(18)(D) plan, or contributions made to an ABLE account for which you are the designated beneficiary (beginning in 2018).

Rollover contributions do not qualify for the credit. Also, your eligible contributions may be reduced by any recent distributions you received from a retirement plan or IRA, or from an ABLE account . The maximum contribution amount that may qualify for the credit is $2,000 ($4,000 if married filing jointly), making the maximum credit $1,000 ($2,000 if married filing jointly).

Use the chart below to calculate your credit. Example: Jill, who works at a retail store, is married and earned $41,000 in 2021. Jill’s spouse was unemployed in 2021 and didn’t have any earnings.

Jill contributed $2,000 to her IRA for 2021. After deducting her IRA contribution, the adjusted gross income shown on her joint return is $39,000. Jill may claim a 50% credit of $1,000 for her $2,000 IRA contribution on her 2021 tax return.

AGI not more than $46,000 AGI not more than $34,500 AGI not more than $23,000 *Single, married filing separately, or qualifying widow(er) AGI not more than $43,500 AGI not more than $32,625 AGI not more than $21,750 *Single, married filing separately, or qualifying widow(er) AGI not more than $41,000 AGI not more than $30,750 AGI not more than $20,500 *Single, married filing separately, or qualifying widow(er) AGI not more than $39,500 AGI not more than $29,625 AGI not more than $19,750 *Single, married filing separately, or qualifying widow(er) AGI not more than $39,000 AGI not more than $29,250 AGI not more than $19,500 *Single, married filing separately, or qualifying widow(er) AGI not more than $38,500 AGI not more than $28,875 AGI not more than $19,250 *Single, married filing separately, or qualifying widow(er) Individual Retirement Arrangements (IRAs) Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs) PDF Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs) PDF Form 8880, Credit for Qualified Retirement Savings Contributions PDF Topics for retirement plans Individual retirement arrangements (IRAs) Types of retirement plans Retirement topics - Required minimum distributions (RMDs) Retirement plans frequently asked questions (FAQs) Retirement plan forms and publications Tax-Exempt & Government Entities Division at a glance Page Last Reviewed or Updated: 26-Aug-2025

Eligibility Requirements

Individuals with income below certain thresholds who contribute to a retirement plan.

Frequently Asked Questions

Who can apply for Saver’s Credit?

According to the current listing, eligibility includes: Individuals with income below certain thresholds who contribute to a retirement plan. Confirm the full requirements in the official notice before applying.

How much funding does Saver’s Credit offer?

The current listing shows up to $1,000 ($2,000 if married filing jointly). Verify award ceilings, matching requirements, and allowable costs in the official notice.

Who funds Saver’s Credit?

Saver’s Credit is funded by Internal Revenue Service (IRS). Verify program details on the funder's official page before applying.

How do I apply for Saver’s Credit?

Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.

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