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An IRS Incentive To Save For Retirement
(NAPSI)—Saving for re-
tirement can be diffi cult in
the best of times but even
harder during the pandemic
and challenging economy.
One thing that can make it
easier is the Saver’s Credit,
a tax credit made available
by the IRS to eligible taxpay-
ers. The Saver’s Credit could
reduce your federal income
taxes when you save for re-
tirement through a qualifi ed
retirement plan, such as a
401(k) plan or an Individual
Retirement Account (IRA).
The 20th Annual Transa-
merica Retirement Survey
found that just 45 percent
of full-time workers and
only 32 percent of part-time
workers are aware of the
Saver’s Credit. “People who
are saving for retirement
may be able to claim the
Saver’s Credit and reduce
their federal taxes,” says
Catherine Collinson, CEO
and president of nonprofi t
Transamerica Center for
Retirement Studies®. “The
Saver’s Credit is in addi-
tion to benefi ting from the
tax-advantaged treatment of
saving for retirement. Many
people could be confusing
these two incentives, simply
because the idea of a double
tax benefi t sounds too good
to be true.”
What Is the Saver’s
Credit?
It is a non-refundable tax
credit for contributions an
eligible taxpayer makes to a
401(k), 403(b) or similar em-
ployer-sponsored retirement
plan, a traditional or Roth
IRA, or an ABLE account. The
maximum credit is $1,000
for single fi lers or individu-
als and $2,000 for married
couples fi ling jointly.
Tips for Claiming the
Saver’s Credit:
1.Check Your Eligibility
To be eligible, the max-
imum Adjusted Gross In-
come (AGI) for single fi lers
is $32,500 in 2020 and
$33,000 in 2021. For the
head of a household, the
AGI maximum is $48,750 in
2020 and $49,500 in 2021.
For those who are married
fi ling jointly, the AGI max-
imum is $65,000 in 2020
and $66,000 in 2021.
You must be 18 years or
older by January 1 and can-
not be a full-time student or
be claimed as a dependent
on another person’s tax
return. The IRS offers a quiz
to easily determine if you
qualify for the Saver’s Credit.
2.Save for Retirement
To claim the Saver’s Credit
for 2020, you must have con-
tributed to a 401(k), a 403(b)
or similar employer-spon-
sored retirement plan or an
ABLE account during 2020.
Contributions to traditional
or Roth IRAs are also eligible
for the credit. You have until
April 15, 2021 to make an
IRA contribution for tax year
2020. Rollover contributions
are not eligible for the credit.
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The Saver’s Credit—an over-
looked IRS tax credit made
available to eligible taxpay-
ers—could make saving for
retirement more affordable
than many people realize.
3.File Your Tax Return
and Claim the Saver’s
Credit
Let the IRS help you fi le
your taxes. It has nine Free
File partners that offer on-
line tax preparation tools
for free to taxpayers with
an AGI of $72,000 or less.
Learn more at www.irs.gov/
FreeFile.
•On your federal tax re-
turns, you claim the Saver’s
Credit by subtracting it from
your total federal income
taxes, it is a dollar-for-dollar
reduction in your taxes.
•If you are using an on-
line tax preparation tool, be
sure to answer questions
about the Saver’s Credit, also
referred to as the “Retire-
ment Savings Contributions
Credit,” or “Credit for Qual-
ifi ed Retirement Savings
Contributions.”
•If you are preparing your
tax return manually, com-
plete Form 8880, Credit for
Qualifi ed Retirement Sav-
ings Contributions, to deter-
mine your exact credit rate
and amount. Then transfer
the amount to the designat-
ed line on Schedule 3. Infor-
mation from Schedule 3 is
then used on Forms 1040,
1040-SR, and 1040-NR.
•If you are using a pro-
fessional tax preparer, be
sure to ask about the Saver’s
Credit.
“Consistently saving for
retirement is fundamental
to helping achieve fi nancial
security in retirement,” says
Collinson. “Another way to
help you boost your retire-
ment savings is to directly
deposit any tax refund into
an IRA. Saving more now
could help you reap more
later.”
This important tax credit
may help reduce what you
owe in federal taxes or in-
crease your refund. With
so many people’s income
being reduced since the
pandemic, more Americans
may be eligible to claim this
credit. Help spread the word
about the Saver’s Credit by
telling family, friends, and
colleagues.
For more details and re-
sources on the Saver’s Credit
in English and Spanish, visit
Transamerica Center for Re-
tirement Studies at www.
transamericacenter.org/Sav-
ersCredit.
Transamerica Center for
Retirement Studies is a
division of Transamerica In-
stitute®, a nonprofi t, private
foundation
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March 17, 2021
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D-077
ELECTRICAL
SIUSLAW VALLEY ELECTRIC, INC.
RESIDENTIAL • COMMERCIAL CONTRACTING
Ore. BBR No. 8689
McLeod Creek Flood-
plain Restoration Proj-
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Seth Mead to receive
1710 Laurel Way - Airport Industrial Park
Store Hours: Mon. thru Fri., 8 A.M. to Noon
Forrest G. Grigsby • Stanton E. Grigsby
P.O. Box 1216 • sve-1973-grigsby@hotmail.com
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Phone 997-8821
FAX 997-3723
EXCAVATING
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D-182
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For What’s Bugging You
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D-230
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