A precise, independent guide to one government program: the Saver's Match that starts with 2027 contributions.
When the Saver's Match takes effect in 2027, roughly 20 million low- and moderate-income savers will be eligible for up to $1,000 a year of matched retirement savings, and most coverage of it is either marketing or vague summaries. The statute and IRS Notice 2026-48 specify the calculation exactly: thresholds, phase-out math, withdrawal tests, per-spouse rules. This site implements those rules and explains them, so a saver can plan a 2027 contribution knowing the number the IRS will actually produce.
[TO BE COMPLETED BEFORE LAUNCH — operator name, relevant background or credentials, and photo. AdSense and YMYL review both weight a real, identifiable author heavily.]
SaversMatchGuide is an independent publication and is not affiliated with, endorsed by, or connected to the IRS, the U.S. Treasury, or any government agency. We don't speak for the IRS or the Treasury, and nothing here is tax, legal, or financial advice — it is arithmetic and plain-language explanation of published rules. When a rule isn't final (the deposit mechanics, for example), the pages say so instead of guessing.
Advertising, and potentially referral relationships with IRA providers once Treasury's official provider portal launches. Two commitments that don't change with revenue: calculations follow the published statute, not commercial interests; and no payment affects an eligibility or income-limit explanation. If a page ever contains a paid placement, it will be labeled there.
Every threshold, formula, and worked example on the site traces to a primary source, listed per data point on the methodology page. The calculator's code is tested against the IRS's own published examples before each release.