Saver’s Match FAQ
Short answers with sources. Follow the links for detail.
When does the Saver's Match start?
With contributions for tax year 2027; you claim it when you file your 2027 return in 2028 (IRS). More →
How much is the Saver's Match?
Up to 50% of up to $2,000 of qualified contributions, so up to $1,000 per person per year (IRS; Notice 2026-48). More →
What are the Saver's Match 2027 income limits?
No match at MAGI of $71,000+ (joint), $53,250+ (head of household), $35,500+ (single/MFS); full 50% up to $41,000 / $30,750 / $20,500 (IRS). More →
Who is eligible for the Saver's Match?
Age 18+, not a full-time student, not a dependent, U.S. tax resident, makes retirement contributions, MAGI under the limit (IRS). More →
What is TrumpIRA.gov?
A Treasury website established under EO 14403 to list qualifying low-cost IRAs that accept the Saver's Match; official launch Jan. 1, 2027. More →
Can the match go into a Roth IRA?
Not directly. Treasury and the IRS are considering a conduit traditional IRA with an immediate transfer to your Roth (a taxable Roth conversion) (Notice 2026-48 Q&A E-2). More →
Which IRA providers accept the Saver's Match?
No official list has been published as of 2026-10-17. See our watch list of major providers (not confirmed). More →
How do I claim it?
File Form 8880-A with your 2027 federal return in 2028 (IRS). The form isn't published yet. More →
Is it the same as the Saver's Credit?
No. It replaces the credit for retirement contributions and is paid into your account even without tax liability (Notice 2026-48 Q&A A-1). More →
What if my match is under $100?
You can elect to take it as a refundable credit instead (Notice 2026-48 Q&A D-2). More →
Do withdrawals reduce the match?
Yes, distributions in the testing period reduce the contributions counted; rollovers don't (Notice 2026-48 Q&A C-3). More →
Is the Saver's Match taxable?
Not when contributed to the account; withdrawals of it are taxable, and early withdrawals may face extra taxes (Notice 2026-48 Q&A A-2). More →
Can the IRS take my match to pay back taxes or debts?
The statute says Saver's Match payments are not subject to reduction or offset under section 6402(c)-(f) or by other assessed federal taxes (Notice 2026-48 sec. III).
Sources: IRS Saver’s Match pageIRS: Saver's Match, Notice 2026-48Notice 2026-48, EO 14403EO 14403 (91 FR 24329).