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Saver's Credit Calculator (2026)Retirement Savings Contributions Credit

What do these figures come to once the work is shown?

The 50, 20 or 10 percent credit rate for 2026 from AGI and filing status, applied to up to $2,000 of contributions per person.

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Your figures
Example figuresIllustrative only. Type over them with your own.
Saver's credit
$300
Before the Form 8880 tax liability limit
Credit rate
20.00%
Contributions that count
$1,500
Drawn to one scale
Saver's credit$300
Contributions that count$1,500
AGI ceiling for the 50% rate$24,250
AGI ceiling for the 20% rate$26,250
AGI ceiling for the 10% rate$40,250
All results
MeasureResult
Saver's credit$300
Credit rate20.00%
Contributions that count$1,500
AGI ceiling for the 50% rate$24,250
AGI ceiling for the 20% rate$26,250
AGI ceiling for the 10% rate$40,250
How this was worked out
Work shownrecomputed as you type
Credit = rate x lesser of contributions and $2,000 per person
Rate by AGI: 50%, 20%, 10% or 0% using the 2026 thresholds by filing status

Illustrative arithmetic on the figures you enter. Check the result against your firm's methodology before relying on it.

The formulas

  • Credit = rate x lesser of contributions and $2,000 per person
  • Rate by AGI: 50%, 20%, 10% or 0% using the 2026 thresholds by filing status

How it works

The retirement savings contributions credit rewards lower-income savers. Notice 2025-67 sets the 2026 AGI limits: for joint filers $48,500 (50 percent), $52,500 (20 percent) and $80,500 (10 percent); for heads of household $36,375, $39,375 and $60,375; for everyone else $24,250, $26,250 and $40,250.

The credit applies to up to $2,000 of contributions to IRAs and workplace plans per person, and a joint return can count each spouse. Contributions are reduced by recent taxable distributions. You must be 18 or over by year end, not a student under section 152(f)(2), and not claimed as a dependent. Form 8880 limits the credit to a tax liability limitation, so it cannot exceed that amount. Reductions for distributions (section 25B(d)(2)) are not modeled.

Illustrative figures only. Check the result against your firm's methodology before relying on it.

Common questions

Is the credit refundable?

No. Form 8880 limits the credit based on tax liability, so it cannot produce a refund beyond that limit.

Does it stack with the IRA deduction?

Yes. The credit is in addition to any deduction or exclusion for the contribution.

Which contributions count?

IRA contributions, elective deferrals and certain voluntary employee contributions to qualified plans, and contributions to your own ABLE account (section 25B(d)(1)).

Sources

Runs in your browser. The figures you type are not sent to CORAA or stored. Check the result against your firm's methodology before relying on it.

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