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Deductions & credits
Based on the information provided, it does appear that the basic eligibility requirements for the Retirement Savings Contributions Credit (Saver’s Credit) are met.
However, there are additional factors that can affect eligibility and reduce the credit amount.
- Having enough earned income
- Retirement distributions in the prior three years, or
- Limitations based on your actual income tax liability since the credit is nonrefundable.
If everything seems correct, and you’re still not seeing the credit apply, you may want to consider upgrading to Live Expert Review. A tax expert can look over your return in detail and confirm whether anything is limiting the credit.
For more information on the credit see,
What is the 2025 Saver's Credit?
Form 8880, Credit for Qualified Retirement Savings Contributions
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February 17, 2026
6:06 AM