Find your Retirement Savings Contributions Credit for 2025. The IRS rewards low- and middle-income workers for saving in a 401(k), IRA or similar plan — worth up to $1,000 per person, or $2,000 for married couples.
| Filing status | 50% credit | 20% credit | 10% credit |
|---|---|---|---|
| Married filing jointly | 0 – $47,500 | $47,501 – $51,000 | $51,001 – $79,000 |
| Head of household | 0 – $35,625 | $35,626 – $38,250 | $38,251 – $59,250 |
| All other filers | 0 – $23,750 | $23,751 – $25,500 | $25,501 – $39,500 |
AGI above the 10% ceiling (or $39,500 / $59,250 / $79,000 depending on status) means no Saver's Credit. Contributions above $2,000 per person are counted only up to that cap. The credit is non-refundable and cannot reduce your tax below zero.
The credit equals eligible contribution × applicable rate. Eligible contribution is the smaller of your actual contributions and the $2,000-per-person cap (married couples combine both spouses). Your applicable rate (50%, 20% or 10%) comes from your AGI and filing status using the official 2025 Form 8880 table above. If any eligibility checkbox is unchecked, no credit applies. The credit is non-refundable — it offsets tax owed but can't be refunded if it exceeds your tax.
Tip: if you're on the edge of a rate bracket, contributing to a traditional IRA or 401(k) can lower your AGI into a higher credit tier — turning part of your retirement savings into an even bigger tax benefit.
Uses the exact 2025 Form 8880 thresholds published by the IRS for every filing status.
Married couples filing jointly can claim up to $2,000 — $1,000 per spouse.
Automatic age, student and dependent checks that match the IRS rules.
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