Understand the support.
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.
Benefits depend on your household and the program’s rules. A possible match is a starting point, not an approval.
Start with your household.
These are some of the factors the program considers. State rules and additional requirements may apply.
250% of the poverty level
A general income reference. Deductions and state rules can change the applicable limit.
18 or older
Work and income
Employed full-time, Employed part-time, Self-employed
Check your state’s rules
Your state guide brings together application links and local requirements.
Choose your stateSee how household size matters.
The 2026 federal poverty guidelines provide a reference point. This table is illustrative; confirm the program’s current limits with your state.
Saver's Credit illustrative income threshold in the contiguous US: 250% of the Federal Poverty Level (FPL). Based on 2026 HHS poverty guidelines. Program effective dates, deductions and state rules may differ; confirm with the agency.
| Household Size | 2026 FPL | Annual Limit (250%) | Monthly Limit |
|---|---|---|---|
| 1 person | $15,960 | $39,900 | $3,325 |
| 2 people | $21,640 | $54,100 | $4,508 |
| 3 people | $27,320 | $68,300 | $5,692 |
| 4 people | $33,000 | $82,500 | $6,875 |
| 5 people | $38,680 | $96,700 | $8,058 |
| 6 people | $44,360 | $110,900 | $9,242 |
| 7 people | $50,040 | $125,100 | $10,425 |
| 8 people | $55,720 | $139,300 | $11,608 |
Each additional person adds approximately $5,680 to the FPL base ($14,200 at 250%).
A little preparation helps.
Your agency will confirm exactly what it needs. These documents are a useful place to start.
- Proof of retirement contributions
You do not need to upload documents or provide your Social Security number to take our free quiz.
Your next step is closer to home.
Explore local requirements and where to apply for Saver's Credit.
View all 51 states and districts
A few things to know.
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.
See what may fit your household.
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