Saver’s Match Calculator
Filing status + income + contribution → your exact 2027 government match.
By Scheme Tools Editorial Team · Last updated: 2026-10-11
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.