A precise, independent guide to one government program: the Saver's Match that starts with 2027 contributions.
When the Saver's Match takes effect in 2027, roughly 20 million low- and moderate-income savers will be eligible for up to $1,000 a year of matched retirement savings, and most coverage of it is either marketing or vague summaries. The statute and IRS Notice 2026-48 specify the calculation exactly: thresholds, phase-out math, withdrawal tests, per-spouse rules. This site implements those rules and explains them, so a saver can plan a 2027 contribution knowing the number the IRS will actually produce.
SaversMatchGuide is written and maintained by Ian, an independent developer. He built the site the way an engineer approaches any specification: by reading the primary sources — IRC §6433, IRS Notice 2026-48, and Notice 2025-67 — and implementing their rules exactly, in code that is tested against the IRS's own published worked examples before every release.
One thing stated plainly: Ian is not a CPA, enrolled agent, or tax attorney. The authority of this site comes from primary sources and reproducible arithmetic, not credentials — every threshold and formula names the document it came from on themethodology page, and a correction that cites an IRS document is treated as the highest-priority email the site receives.
SaversMatchGuide is an independent publication and is not affiliated with, endorsed by, or connected to the IRS, the U.S. Treasury, or any government agency. We don't speak for the IRS or the Treasury, and nothing here is tax, legal, or financial advice — it is arithmetic and plain-language explanation of published rules. When a rule isn't final (the deposit mechanics, for example), the pages say so instead of guessing.
Advertising, and potentially referral relationships with IRA providers once Treasury's official provider portal launches. Two commitments that don't change with revenue: calculations follow the published statute, not commercial interests; and no payment affects an eligibility or income-limit explanation. If a page ever contains a paid placement, it will be labeled there.
Every threshold, formula, and worked example on the site traces to a primary source, listed per data point on the methodology page. The calculator's code is tested against the IRS's own published examples before each release.