2026 IRS retirement credit

Saver's Credit Calculator

Estimate the 2026 retirement savings contributions credit from filing status, AGI, IRA, workplace plan, ABLE contributions, and recent distributions.

Estimated credit$1,95050% credit rate

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2026 estimate

Estimated credit$1,95050% credit rate on $3,900 of eligible contributions
Net contribution$3,900
Eligible contribution$3,900
Maximum credit$2,000
Contribution room$100
$0 AGI room in this tierCurrent Married filing jointly tier runs through $48,500.
Credit rateAGI limit
50%up to $48,500
20%up to $52,500
10%up to $80,500

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2026 limits used

  • Maximum eligible contribution: $4,000
  • Maximum credit rate: 50%
  • AGI tiers: 50%, 20%, 10%, then 0%
  • Recent distributions reduce eligible contributions.