Q: How do I claim the Saver's Match? Form 8880-A

You claim the Saver’s Match by filing Form 8880-A with your 2027 federal tax return in 2028. You do need to claim it; it isn’t automatic. The form is new and not yet published. The IRS forms page for it did not exist when we last checked. You would show eligibility by providing your MAGI, filing status, qualified retirement savings contributions, and distributions. To send the match to a traditional IRA, you would enter the IRA tracking number of a registered provider; you must open the IRA before filing. If your match would be under $100, you could elect on the same form to take it as a refundable tax credit instead. The Saver’s Credit for ABLE contributions would continue to be claimed on Form 8880.

Question 1

How do I claim the Saver's Match? Form 8880-A

Accepted Answer

You claim the Saver&#8217;s Match by filing Form 8880-A with your 2027 federal tax return in 2028. You do need to claim it; it isn&#8217;t automatic. The form is new and not yet published. The IRS forms page for it did not exist when we last checked. You would show eligibility by providing your MAGI, filing status, qualified retirement savings contributions, and distributions. To send the match to a traditional IRA, you would enter the IRA tracking number of a registered provider; you must open the IRA before filing. If your match would be under $100, you could elect on the same form to take it as a refundable tax credit instead. The Saver&#8217;s Credit for ABLE contributions would continue to be claimed on Form 8880.

Question 2

When do I file Form 8880-A?

Accepted Answer

In 2028, with your 2027 federal tax return (IRS Saver's Match page).

Question 3

Is Form 8880-A available yet?

Accepted Answer

No. Notice 2026-48 calls it a new, not yet published form; it was not on irs.gov as of 2026-10-17.