Saver's Credit
Tax credit for contributions to a retirement account.
Overview
Saver's Credit is administered by the Internal Revenue Service. 10%–50% credit on up to $2,000 in retirement contributions.
Must be 18+ and not a full-time student or dependent.
Eligibility Requirements
Income Limit
Below 250% FPL
Minimum Age: 18+
2026 Income Limits
Federal baseline. Some states have higher limits.
Saver's Credit income limit in the contiguous US: 250% of the Federal Poverty Level (FPL). Based on 2026 HHS poverty guidelines.
| Household Size | 2026 FPL | Annual Limit (250%) | Monthly Limit |
|---|---|---|---|
| 1 person | $15,060 | $37,650 | $3,138 |
| 2 people | $20,440 | $51,100 | $4,258 |
| 3 people | $25,820 | $64,550 | $5,379 |
| 4 people | $31,200 | $78,000 | $6,500 |
| 5 people | $36,580 | $91,450 | $7,621 |
| 6 people | $41,960 | $104,900 | $8,742 |
| 7 people | $47,340 | $118,350 | $9,863 |
| 8 people | $52,720 | $131,800 | $10,983 |
Each additional person adds approximately $5,380 to the FPL base ($13,450 at 250%).
Required Documents
Saver's Credit by State
Income limits and rules vary by state. Find yours.
View all 51 states
Frequently Asked Questions
What is Saver's Credit?
Tax credit for contributions to a retirement account.
How much is Saver's Credit worth?
$100 to $1,000 per year. 10%–50% credit on up to $2,000 in retirement contributions
What documents do I need?
You'll need: Proof of retirement contributions.
How long does processing take?
14-21 days from submission.
How often do I renew?
Every 12 months.