Saver's Match 2027 Calculator: How Much Free Money You Get
The government matches 50% of the first $2,000 you save for retirement — up to $1,000 a year. Check if you qualify and estimate your match.
Saver's Match 2027 — Free Money Calculator
The government will match 50% of the first $2,000 you save for retirement. See exactly how much you'll get.
📬 The IRS is mailing notices about this right now. The Saver's Match replaces the old Saver's Credit starting with the 2027 tax year (claimed when you file in 2028). The match is deposited directly into your retirement account — it's real money, not a tax deduction.
Roughly your total income before most deductions. Find it on your tax return.
401(k), 403(b), IRA, or other qualifying retirement account.
Estimates only, based on SECURE 2.0 phase-out thresholds. Both spouses can each earn the match (up to $2,000 per couple). You must be 18+, not a full-time student, and not claimed as a dependent. The match is claimed on your 2027 return filed in 2028 via the new Form 8880-A. Verify at irs.gov. This is a free practice tool — not a government website.
Overview
Starting with the 2027 tax year, the federal Saver’s Match replaces the old Saver’s Credit. Instead of a tax credit, the government deposits real money — 50% of the first $2,000 you contribute to a 401(k), IRA or similar retirement account — directly into that account. That is up to $1,000 a year of free money, and both spouses can each earn it.
The full 50% match goes to single filers with MAGI at or below $20,500 ($30,750 head of household, $41,000 joint), then phases down to zero at $35,500 / $53,250 / $71,000. You claim it on your 2027 return filed in 2028. The IRS began mailing explanatory notices in September–October 2026 — if you got one, this page is for you.
Note: this is an independent guide, not a government website. Verify everything at irs.gov before acting.