Are there reasons to prevent my IRA contribution include in the Savings Credit? The software only calculated 403b contribution but not IRA. My total is less than$2000.

[tflee920]

Also, my spouse's IRA is not calculated. We file jointly and not students, more than 18.

[dmertz]

Distributions from qualified retirement accounts by either you or your spouse within recent years reduce the amount of new contributions made by either you or your spouse that are considered when calculating the credit.

Also, this is a non-refundable credit that can only be applied to Income taxes, not to Other taxes such as self-employment tax or early-distribution penalties.  The credit cannot be used to reduce Form 1040 line 22 below zero.