I am being told I will receive a credit for the retirement account I pay into through my employer. Is this a "cash" credit (larger refund)?

I am being advised through Turbotax to upgrade, in order to get this. However I'm unsure if it's worth it, if I'm not getting more back. If it's just a "tax break" in the sense of saving me money that I may have to pay in, I don't want to do it. I'd be paying out more than I'm being credited.