@debbieandmark
Actually, you may need to clarify what you are talking about.
The Saver's Credit??? Or an income deduction for making a contribution to an IRA?
I'm pretty sure that neither (savers credit nor income deduction) could be transferred to this year. What you did last year pretty much remains there for this type of situation.
IF your income deduction for contributing to an IRA in 2020 was limited because you also had a 401k at some job.....then the excess contributed to the IRA (if you didn't remove that excess) was a non-deductible contribution to the IRA, and would become a non-taxable basis in that IRA for future years when you take distributions from any IRA account.
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I certainly hope you are talking about a separate contribution you made to an actual IRA...outside of the 401k.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
