---
title: "Saver's Match: IRS Signals How the New Program Will Work"
description: The IRS outlines procedures for the Saver’s Match program launching in 2027, including new forms, IRA reporting, and payment processes.
---

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# Saver's Match: IRS Signals How the New Program Will Work

## The IRS outlines procedures for the Saver’s Match program launching in 2027, including new forms, IRA reporting, and payment processes.

The IRS issued **[Notice 2026-48](https://www.irs.gov/pub/irs-drop/n-26-48.pdf)**, outlining its plans for regulations on the new federal Saver's Match program set to launch in 2027, which will replace the Saver's Credit used for tax years 2026 and earlier. This is the first look at how the match will reach savers' accounts—the forms, registration, and payment mechanics involved. Public comments were required to be submitted by October 5, 2026, to be considered before proposed regulations are drafted.

Participation in the Saver's Match program is optional for IRA trustees and custodians but IRAs that accept contributions will not jeopardize their tax-favored status.

#### **What's New for IRAs**

Taxpayers will claim their match on a new Form 8880-A, rather than on the old Saver's Credit form (Form 8880). Here's what's involved for IRA providers wanting to participate:

- Register with Treasury and the IRS for a tracking number that savers can use to direct their match to their chosen financial organization. Details will be forthcoming in later guidance.
- For matching contributions to Roth IRAs, route them through a conduit Traditional IRA that converts to a Roth IRA as a taxable, reportable Roth conversion. Such a process is the Treasury’s current solution to not being able to direct the payments directly to Roth IRAs.
- Track matching contributions separately, since they don't count against the IRA owner’s annual contribution limit.
- Report the aggregate match on a revised Form 5498 (format still to be finalized).
- Have a process ready for matching contributions later found to be paid in error.

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