Saver's Credit 2026 Calculator
The Saver's Credit (IRC §25B) provides a tax credit of 10-50% of retirement contributions up to $2,000 ($4,000 MFJ). Income limits cap eligibility — but for those who qualify, it stacks with the deduction and is the highest-value retirement tax break available.
Who Qualifies
Available to taxpayers 18+, not full-time students, not claimed as dependent. Income limits 2026 (estimated): Single AGI under $39,500; MFJ under $79,000; HoH under $59,250. Below the lowest threshold = 50% credit; middle band = 20%; highest band = 10%; above limit = no credit.
Qualified Contributions
Traditional IRA, Roth IRA, 401(k), 403(b), 457(b), SEP, SIMPLE, ABLE accounts (for designated beneficiary). Maximum credit-eligible: $2,000 individual / $4,000 MFJ. Distributions in prior 2 years and current year reduce qualifying contributions.
Stacking With Other Tax Benefits
Saver's Credit stacks with deductible traditional IRA/401(k) contribution. A $2,000 traditional 401(k) at 12% bracket = $240 deduction PLUS up to $1,000 Saver's Credit = $1,240 federal benefit on $2,000 saved. Roth contributions get the credit alone but no deduction — still net positive.
Source: IRC §25B Retirement Savings Contributions Credit; IRS Pub 590-A. Last updated: May 2026.