Saver's Credit in
Massachusetts
Tax credit for contributions to a retirement account.
Eligibility Requirements
Here's what you need to qualify for Saver's Credit in Massachusetts.
Income Limit
At or below 250% FPL
Minimum Age
Must be 18+ years old
Employment Status
Employed full-time or Employed part-time or Self-employed
Citizenship
U.S. citizen, permanent resident, or qualified non-citizen
Must be 18+ and not a full-time student or dependent.
2026 Income Limits
Saver's Credit income limits for Massachusetts based on 250% FPL.
Saver's Credit illustrative income threshold in Massachusetts: 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%).
Required Documents
Have these ready before you start your Saver's Credit application.
How to Apply
Follow these steps to apply for Saver's Credit in Massachusetts.
Gather your documents
Collect all required documents listed above before starting.
Submit your application
Apply online through the Internal Revenue Service or contact your local Massachusetts office.
Wait for processing
Processing takes 14–21 days. Keep copies of everything.
Frequently Asked Questions
Who qualifies for Saver's Credit in Massachusetts?
Your household income must be at or below 250% of the Federal Poverty Level. Additional factors include age, citizenship, and household composition.
How do I apply for Saver's Credit in Massachusetts?
Apply through the Internal Revenue Service. Processing takes 14-21 days.
How much is Saver's Credit worth in Massachusetts?
$100 to $1,000 per year. 10%–50% credit on up to $2,000 in retirement contributions.
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