if you are at least 18 on 12/31/2024; are not claimed as a dependent on someone else's return and are not a full-time student, then you may be eligible for the retirement savings credit form 8880
the nonrefundable credit is computed as the lesser of your retirement plan contributions or $2,000 times the credit rate which is
50% if adjusted gross income (AGI) is less 34501
20% if AGI 34501-37500
10% if AGI 37501-57375
nonrefundable means it can reduce your tax liability to zero any excess is lost. There may be other rules that could limit the credit - see the form. The form is completed automatically one plan contributions are entered.
being head of house might qualify you for other credits such as the child and dependent care credit, additional child and child credits, earned income credit,
there are different rules for these various credits.
