Saver's Tax Credit 2027 Calculator

Estimate your 2027 Retirement Savings Contributions Credit (the "Saver's Credit") — 50%, 20%, or 10% of up to $2,000 ($4,000 MFJ) contributed to a 401(k), IRA, ABLE account or similar plan. Tiered by AGI and filing status. Free, private, no sign-up.

Your 2027 Saver's Credit
$0
Non-refundable (offsets tax only)
Credit rate
—
Based on AGI tier
Eligible contribution
—
Capped per filer
Credit used (vs tax)
—
Cannot exceed tax
Item Amount (USD)
2027 AGI tiers (estimated, inflation-indexed from 2025): Single — 50% if AGI ≤ $24,000, 20% up to $26,250, 10% up to $40,500. HoH — 50% if AGI ≤ $36,000, 20% up to $39,000, 10% up to $60,750. MFJ — 50% if AGI ≤ $48,000, 20% up to $52,500, 10% up to $81,000. Credit is non-refundable (offsets income tax only, not refunded as cash).
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What is the Saver's Tax Credit?

The Saver's Credit — formally the Retirement Savings Contributions Credit under IRC §25B — rewards low- and moderate-income workers who save for retirement. It returns up to 50%, 20%, or 10% of up to $2,000 in contributions ($4,000 if married filing jointly) to a qualifying retirement plan, depending on your AGI and filing status. Maximum credit: $1,000 single, $2,000 MFJ.

The credit is non-refundable, so it can only reduce your federal income tax liability to zero — any unused portion is lost. Despite that limitation, the Saver's Credit can stack with the deduction or exclusion you already get for traditional retirement contributions, effectively double-dipping the tax benefit. Roth IRA / Roth 401(k) contributions also qualify, even though they don't generate an upfront deduction.

Qualifying contributions for 2027

Eligible contributions include those to: traditional IRA, Roth IRA, 401(k), 403(b), 457(b), SARSEP, SIMPLE IRA, federal Thrift Savings Plan (TSP), and ABLE accounts (for the designated beneficiary). Voluntary after-tax contributions to a 403(b) annuity also qualify. Rollovers from one retirement plan to another do NOT count as eligible contributions for the Saver's Credit.

To qualify in 2027, you must be: 18 years or older, not a full-time student during 5+ months of the tax year, and not claimed as a dependent on someone else's return. The credit is calculated on Form 8880 and flows to Schedule 3 line 4.

SECURE 2.0 Act 2027 changes — the "Saver's Match"

Important context: under SECURE 2.0 (2022), starting in tax year 2027, the Saver's Credit will be replaced by a "Saver's Match" — a federal contribution of 50% of up to $2,000 of qualifying retirement plan contributions deposited directly into the saver's account, rather than as an income-tax credit. The match phase-out tracks the current credit thresholds but converts the benefit from an unused credit into actual retirement savings. This calculator continues to use the credit framework because the IRS has not yet issued final 2027 Saver's Match regulations and many filers will still be on the credit during the transition year.

Example: Single filer with AGI $23,000, contributing $2,000 to a Roth IRA. Credit rate = 50%. Credit = $1,000. If tax liability before credit is only $700, the filer gets $700 of the credit (the other $300 is unused under current rules; under the future Saver's Match it would be deposited directly into the Roth IRA). Compare to the 10% tier: AGI $40,000, contribution $2,000 → credit $200.

Source: irs.gov — Form 8880 instructions and Rev. Proc. 2025-37. Updated May 2026 reflecting OBBB (P.L. 119-21) inflation indexing for 2027.

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