Eligibility for the retirement savings credit is determined by your adjusted gross income:
2021 Saver’s Credit Amount by Income Level
Credit Rate: Married Filing Jointly: Head of Household: All Other Filers:
| 50% of your contribution | AGI less than $39,500 | AGI less than $29,625 | AGI less than $19,750 |
| 20% of your contribution | $39,501 - $43,000 | $29,626 - $32,250 | $19,751 - $21,500 |
| 10% of your contribution | $43,001 - $66,000 | $32,251 - $49,500 | $21,501 - $33,000 |
| 0% of your contribution | AGI greater than $66,000 | AGI greater than $49,500 | AGI greater than $33,000 |