Saver's Credit in
Texas
Tax credit for contributions to a retirement account.
Eligibility Requirements
Here's what you need to qualify for Saver's Credit in Texas.
Income Limit
At or below 250% FPL
Minimum Age
Must be 18+ years old
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 Texas based on 250% FPL.
Saver's Credit income limit in Texas: 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
Have these ready before you start your Saver's Credit application.
How to Apply
Follow these steps to apply for Saver's Credit in Texas.
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 Texas office.
Wait for processing
Processing takes 14–21 days. Keep copies of everything.
Frequently Asked Questions
Who qualifies for Saver's Credit in Texas?
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 Texas?
Apply through the Internal Revenue Service. Processing takes 14-21 days.
How much is Saver's Credit worth in Texas?
$100 to $1,000 per year. 10%–50% credit on up to $2,000 in retirement contributions.
Other Benefits in Texas
Monthly food assistance loaded onto an EBT card for groceries.
WIC in TexasNutrition, food, and health support for pregnant women, new moms, and children under 5.
Free School Meals in TexasFree or reduced-price breakfast and lunch for school-age children.
Medicaid in TexasFree or low-cost comprehensive health coverage for low-income adults and families.
CHIP in TexasLow-cost health coverage for children in families that earn too much for Medicaid.
Medicare Extra Help in TexasHelps pay Medicare prescription drug plan costs for people with limited income.