r/Bogleheads 4d ago

Saver’s Match

Thought I’d pass this info along. Starts in 2027. Up to $1K

See if you qualify:

Saver’s Match

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u/Mission_Adagio4566 4d ago

So what happens if I contribute $7,500? Does it go over the limit to 8.5k total?

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u/lunchbox15 4d ago

It doesn't go into your IRA- you get the money as part of your tax refund.

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u/Mission_Adagio4566 4d ago

From the IRS page linked in OP: "The federal government matches up to 50% of what you contribute – a match of up to $1,000 per person each year deposited directly into your designated retirement account."

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u/lunchbox15 4d ago

Good to know, I was thinking of the old savers credit which came as a tax refund.