---
title: Saver's Tax Credit Limits
description: IRA owners may be eligible for this nonrefundable tax credit, also known as the Retirement Savings Contributions Credit,  for their Traditional or Roth IRA contributions.
---

[Skip to content](https://help.superiorira.com/info/savers-tax-credit-limits#main-content)

[![Superior Logo\_Navy Background-1](https://help.superiorira.com/hs-fs/hubfs/Superior%20Logo_Navy%20Background-1.png?width=250&height=66&name=Superior%20Logo_Navy%20Background-1.png)](https://superiorira.com/)

- [Help Center](https://help.superiorira.com/info)

Open main navigation

Close main navigation

- [Help Center](https://help.superiorira.com/info)
- [Return to Superior platform](https://app.superiorira.com/)

[Return to Superior platform](https://app.superiorira.com/)

 Hello. How can we help you?

- There are no suggestions because the search field is empty.

1. [Help Center](https://help.superiorira.com/info?hsLang=en)
2. [IRS News](https://help.superiorira.com/info/irs-news?hsLang=en)
3. [Cost-of-Living Adjustments (COLAs)](https://help.superiorira.com/info/irs-news?hsLang=en#cost-of-living-adjustments-colas)

# Saver's Tax Credit Limits

## IRA owners may be eligible for this nonrefundable tax credit, also known as the Retirement Savings Contributions Credit, for their Traditional or Roth IRA contributions.

To be eligible, the IRA owner must be age 18 or older, and cannot be a dependent or full-time student. The owner must also have adjusted gross income (AGI) within the limits provided below to be eligible for a percentage of the credit.

The maximum annual tax credit is $1,000, and if eligible, the credit reduces the owner's federal income tax owed dollar for dollar.

**Printable job aid:** [Saver's Tax Credit Limits](https://help.superiorira.com/hubfs/2026%20Savers%20Tax%20Credit%20Limits.pdf?hsLang=en)

| #### **Tax Year 2026 Saver's Tax Credit AGI Limits** |  |  |  |
| --- | --- | --- | --- |
| **Credit Percentage** | **Married (Filing Jointly)** | **Single (Head of Household)** | **All Other Filing Statuses** |
| **50%** | $0 - $48,500 | $0 - $36,375 | $0 - $24,250 |
| **20%** | $48,500 - $52,500 | $36,375 - $39,375 | $24,250 - $26,250 |
| **10%** | $52,500 - $80,500 | $39,375 - $60,375 | $26,250 - $40,250 |
| **0%** | Above $80,500 | Above $60,375 | Above $40,250 |

| #### **Tax Year 2025 Saver's Tax Credit AGI Limits** |  |  |  |
| --- | --- | --- | --- |
| **Credit Percentage** | **Married (Filing Jointly)** | **Single (Head of Household)** | **All Other Filing Statuses** |
| **50%** | $0 - $47,500 | $0 - $35,625 | $0 - $23,750 |
| **20%** | $47,500 - $51,000 | $35,625 - $38,250 | $23,750 - $25,500 |
| **10%** | $51,000 - $79,000 | $38,250 - $59,250 | $25,500 - $39,500 |
| **0%** | Above $79,000 | Above $59,250 | Above $39,500 |

 

- [Blank Forms/Notifications](https://help.superiorira.com/info/blank-forms-notifications?hsLang=en#main-content)

    - [Blank Forms](https://help.superiorira.com/info/blank-forms-notifications?hsLang=en#blank-forms)
    - [Sample Notifications](https://help.superiorira.com/info/blank-forms-notifications?hsLang=en#sample-notifications)
- [Implementations & Mergers](https://help.superiorira.com/info/implementations-mergers?hsLang=en#main-content)

    - [Data Gathering](https://help.superiorira.com/info/implementations-mergers?hsLang=en#data-gathering)
    - [Implementations](https://help.superiorira.com/info/implementations-mergers?hsLang=en#implementations)
    - [Mergers](https://help.superiorira.com/info/implementations-mergers?hsLang=en#mergers)
- [IRS News](https://help.superiorira.com/info/irs-news?hsLang=en#main-content)

    - [Cost-of-Living Adjustments (COLAs)](https://help.superiorira.com/info/irs-news?hsLang=en#cost-of-living-adjustments-colas)
    - [IRS Pronouncements](https://help.superiorira.com/info/irs-news?hsLang=en#irs-pronouncements)
- [Superior IRA & HSA Client Calendar](https://help.superiorira.com/info/superior-ira-hsa-client-calendar?hsLang=en)
- [Training](https://help.superiorira.com/info/training?hsLang=en#main-content)

    - [Compliance](https://help.superiorira.com/info/training?hsLang=en#compliance)
    - [Superior IRA & HSA Platform](https://help.superiorira.com/info/training?hsLang=en#superior-ira-hsa-platform)
    - [Tax Reporting](https://help.superiorira.com/info/training?hsLang=en#tax-reporting)
- [Frequently Asked Questions](https://help.superiorira.com/info/frequently-asked-questions?hsLang=en)
- [Public](https://help.superiorira.com/info/public?hsLang=en)

Exceptional service. Today’s technology. Superior results.

Superior IRA & HSA® and the Superior IRA & HSA logo are registered trademarks of Superior IRA & HSA, LLC. 

© 2026 Superior IRA & HSA, LLC. All Rights Reserved.