Saver's Match calculator 2027: how much will the government add to your retirement account?
Updated November 13, 2026 · Based on IRS Notice 2026-48 and SECURE 2.0 Act section 103
Starting with 2027 savings, the federal government will deposit up to $1,000 a person into the 401(k) or IRA of lower- and middle-income savers: 50% of the first $2,000 you contribute. A married couple can get up to $2,000. The match shrinks as income rises and ends at $35,500 (single), $53,250 (head of household) and $71,000 (married filing jointly).
Calculate your 2027 Saver's Match
Your match at every income
Match rate and the most you can get (on $2,000 saved) by modified AGI. Couples get the amount shown for each spouse who saves $2,000.
| Modified AGI | Single | Head of household | Married jointly (each) |
|---|---|---|---|
| $15,000 | 50% · $1,000 | 50% · $1,000 | 50% · $1,000 |
| $20,000 | 50% · $1,000 | 50% · $1,000 | 50% · $1,000 |
| $25,000 | 35% · $700 | 50% · $1,000 | 50% · $1,000 |
| $30,000 | 19% · $380 | 50% · $1,000 | 50% · $1,000 |
| $35,000 | 2% · $40 | 41% · $820 | 50% · $1,000 |
| $40,000 | – | 30% · $600 | 50% · $1,000 |
| $45,000 | – | 19% · $380 | 44% · $880 |
| $50,000 | – | 8% · $160 | 35% · $700 |
| $55,000 | – | – | 27% · $540 |
| $60,000 | – | – | 19% · $380 |
| $65,000 | – | – | 10% · $200 |
| $70,000 | – | – | 2% · $40 |
Phase-out ranges for 2027: single $20,500–$35,500, head of household $30,750–$53,250, married filing jointly $41,000–$71,000. Inside the range the 50% rate drops by one percentage point (rounded down) for each 2% of the range, per the IRS's examples. In its joint example, a couple with $63,000 of income gets a 14% match: $280 on $2,000 saved.
How the money reaches you
- Save during 2027 in a 401(k), 403(b), 457(b), SIMPLE IRA, SEP or a traditional or Roth IRA. IRA contributions made by the April 2028 deadline for 2027 count.
- File your 2027 tax return with the new Form 8880-A and name the account for the deposit. It must be a pre-tax account whose plan or provider accepts the match.
- Treasury deposits the match in that account. It doesn't count toward your contribution limits. Like pre-tax savings, it's taxed when you withdraw it, and it can't be taken out as a hardship withdrawal.
The IRS also says Treasury plans a website (TrumpIRA.gov) listing IRA providers that accept the match.
What you can do
- Get to $2,000. That's about $77 every two weeks, or $167 a month. Below it, every dollar you add is matched at your rate.
- Avoid withdrawals. Money you take out of retirement accounts from 2025 through your 2027 filing deadline is subtracted from the savings that count.
- Use the 2026 Saver's Credit while it lasts. If your 2026 income is under $40,250 (single), $60,375 (head of household) or $80,500 (joint), your 2026 contributions may still earn the old credit.
- Saving more than $2,000? See the new 2027 limits and how much per paycheck maxes out your plan. 2027 401(k) and IRA limits →
Questions people ask
What is the Saver's Match?
A new federal contribution that starts with 2027. If your income is low or moderate and you save in a 401(k), 403(b), 457(b), SIMPLE, SEP or IRA, the government deposits a match of up to 50% of the first $2,000 you save, so up to $1,000 a person, into a retirement account you choose.
What are the Saver's Match income limits for 2027?
The full 50% match applies up to $20,500 of modified AGI for single filers, $30,750 for heads of household and $41,000 for married couples filing jointly. It phases out to zero at $35,500, $53,250 and $71,000. The limits are indexed for inflation from 2028.
How is the Saver's Match calculated?
Take the contributions you made (up to $2,000, minus recent withdrawals) and multiply by your match rate. The rate starts at 50% and drops one point for each 2% of the phase-out range your income is into it. In the IRS's own example, a single filer with $30,000 of income who saves $1,500 gets $285 (a 19% match).
When do I get the Saver's Match?
After you file your 2027 tax return in 2028. You claim it on a new IRS Form 8880-A and name the plan or IRA where Treasury should deposit it. A match under $100 can instead be taken as a refundable credit in your tax refund.
Can the Saver's Match go into a Roth IRA?
Not directly. It goes into a pre-tax account: a workplace plan's pre-tax side or a traditional IRA. The IRS says it is working on a way to route it to a Roth IRA through a conversion. Your own Roth IRA and Roth 401(k) contributions do count toward the $2,000 that gets matched.
Is the Saver's Credit gone?
For retirement savings, yes: 2026 is the last year. From 2027 the Saver's Match replaces the Saver's Credit for 401(k) and IRA contributions; the credit continues only for ABLE account contributions. The match is paid even if you owe no tax, which the old credit wasn't, but its income limits are lower (the 2026 credit reached $80,500 for joint filers).
Does a pre-tax 401(k) contribution lower my income for the Saver's Match?
No. For this test, pre-tax 401(k), 403(b), 457 and SIMPLE contributions and deductible IRA contributions are added back to your AGI. Roughly, your income is your pay before retirement deductions, plus other income, minus other adjustments.
Who can't get the Saver's Match?
Anyone under 18 at the end of the year, full-time students (enrolled full-time in five months of the year), people claimed as a dependent on someone else's return, and nonresident aliens. On a joint return each spouse is checked separately.
The IRS has announced it will propose regulations; Notice 2026-48 describes how they are expected to work, and Form 8880-A hasn't been published yet. We'll update this page as the rules are finalized.
Sources
- IRS Notice 2026-48: Saver's Match contributions (phase-outs, examples, eligibility, how to claim)
- IRS Notice 2026-66: 2027 retirement amounts, including the 2026 Saver's Credit limits (PDF)
- IRS IR-2026-136: 2027 401(k) and IRA limits (Nov 12, 2026)
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