Updated 2026-03-30
Saver's Credit Calculator
Calculate your tax credit for retirement savings contributions
The Saver's Credit (Retirement Savings Contributions Credit) gives low-to-moderate income workers a tax credit worth 10%, 20%, or 50% of the first $2,000 contributed to a retirement account. 2026 income limits: $40,500 single, $60,750 HOH, $81,000 MFJ.
How to Claim the Saver's Credit
- Step 1: Contribute to your 401(k), IRA, or other eligible retirement plan
- Step 2: Verify your AGI is below the income threshold for your filing status
- Step 3: File IRS Form 8880 with your tax return
- Step 4: The credit reduces your tax bill dollar-for-dollar
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-03-30