Saver's Match Eligibility Checker
Starting in 2027, the federal Saver's Match (SECURE 2.0) can add up to $1,000 a year to eligible workers' retirement savings — 50% of your first $2,000 contributed. Check what you might qualify for based on your income. An educational estimate, not tax advice.
Estimated Saver's Match per year (from 2027)
$500
Eligibility at this income
50%
Partial match — you're inside the phase-out range
Contribution that counts
$2,000
50% match on your first $2,000
Phase-out range (your status)
$20,500–$35,500
Statutory figures — will be inflation-indexed
Over 10 years of full match
$5,000
Match deposits alone, before any growth
Gigaverse tracks this automatically — deductions, quarterly taxes, and retirement — every payout.
Join the free waitlist →The Saver's Match starts in 2027 under SECURE 2.0. Figures are statutory base amounts subject to inflation indexing and final IRS rulemaking; eligibility also requires meeting other rules (e.g., not a dependent or full-time student). Educational estimate — not tax or investment advice, and not guaranteed money.
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Frequently asked questions
What is the federal Saver's Match?
A federal program under SECURE 2.0 that starts in 2027. The Treasury matches 50% of the first $2,000 you contribute to an eligible retirement account each year — up to $1,000 — for workers under the income limits. It replaces today's Saver's Credit with a direct deposit into your retirement savings.
Who qualifies for the Saver's Match?
Workers who contribute to an eligible retirement account and have income under the phase-out ranges (statutory figures, to be inflation-indexed): roughly $20,500–$35,500 AGI for single filers, $41,000–$71,000 married filing jointly, and $30,750–$53,250 head of household. You generally can't be under 18, a full-time student, or claimed as a dependent. Final IRS rules are pending.
Do gig workers and 1099 workers qualify?
Yes — the match is based on your contributions and income, not on having a W-2 employer. That makes it especially valuable for gig and self-employed workers, who rarely get any employer match. Contributing $2,000 could bring the full $1,000 match if your income qualifies.
Where does the match money go?
Under the statute, the Treasury deposits the match into an eligible retirement account you designate (the receiving account can't be a Roth account, though your own Roth IRA contributions can count toward earning the match). Exact mechanics depend on final IRS rulemaking before the 2027 start.
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Disclaimer: This calculator is for educational and informational purposes only and does not constitute financial, tax, or investment advice. All results are hypothetical estimates based on the inputs and stated assumptions, are not guarantees, and do not account for your full tax situation, state taxes, or credits. Gigaverse AI, Inc. is not a bank; brokerage services are provided through a FINRA/SIPC-member broker-dealer. Consult a qualified professional before making financial decisions. Full disclosures →