Saver's Match Enhancement Act of 2026

This bill changes the federal Saver's Match, a government payment deposited into the retirement accounts of eligible savers. It raises the match from 50 percent to 100 percent of a saver's qualifying contributions. It raises the income threshold in the eligibility formula from $41,000 to $85,000 and adjusts that amount, along with the $2,000 contribution amount, for inflation. It requires matching contributions to go into Roth-type accounts, such as Roth IRAs or Roth retirement plan programs, and treats them as Roth contributions that are excluded from income. The changes would apply to tax years beginning after December 31, 2026.

Full text and official record on Congress.gov

Sponsors

• Ron Wyden Democrat sponsor
• 0 cosponsors