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New Member
posted Mar 3, 2025 5:42:46 PM

I contributed to a 403b with my emplyer. How can I opt out of the Saver Retirement credit? The fee to file it is more than the credit so I would be losing some refund.

It won't allow me file Simple Returns.

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1 Replies
Level 15
Mar 3, 2025 5:46:00 PM

You can trick the software into disqualifying you for the Saver credit if you say in MY INFO that you were a student.   Or---

 

 

Use this IRS site for other ways to file for free.  There are 8  free software versions available from the IRS Free File site

 

https://apps.irs.gov/app/freeFile/

 

Or—if you live in certain states you may be eligible to use the new IRS Direct File

 

 

In Filing Season 2025, Direct File will be available in Alaska, Arizona, California, Connecticut, Florida, Idaho, Kansas, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Washington, Wisconsin, and Wyoming. 

 

https://directfile.irs.gov/

 

https://home.treasury.gov/news/press-releases/jy2629