Eligibility
2025 AGI below $39,500 single / $59,250 HoH / $79,000 MFJ. Must be 18+, not a full-time student, not claimed as a dependent.
Credit calculation
10%, 20%, or 50% of up to $2,000 contributed ($4,000 MFJ). Maximum credit is $1,000 single / $2,000 MFJ.
Have a specific situation?
Call the office and a human answers.
Common questions
- Does this stack with the retirement contribution deduction?
- Yes. You deduct the traditional IRA or 401(k) contribution AND claim the Saver's Credit on top.
Related
Personal Income Tax Preparation
Federal and state 1040 preparation with year-round planning. Serving individuals in Florida and all 50 states.
Tax Planning
Year-round tax planning for individuals and business owners. We model decisions before they become tax liabilities.
Earned Income Tax Credit
The EITC is a refundable credit for low- and moderate-income workers. 2025 maximums range from $649 (no kids) to $8,046 (three+ kids).