WASHINGTON — The Treasury Department and Internal Revenue Service are preparing regulations for the federal Saver’s Match, which will begin rewarding eligible retirement contributions made in 2027 with government deposits of as much as $1,000 annually into workers’ retirement accounts.
Notice 2026-48 outlines the rules Treasury and the IRS expect to propose and seeks public comment as the government prepares to replace the existing Saver’s Credit with the match program enacted under the SECURE 2.0 Act.
Eligible taxpayers will qualify for a federal match of as much as 50% of the first $2,000 contributed to an employer-sponsored retirement plan or individual retirement account. The maximum federal contribution will be $1,000 a year.
The first matches will be deposited in 2028 based on qualifying retirement contributions made during the 2027 tax year.
Unlike the Saver’s Credit, the new program provides a federal contribution directly to an eligible taxpayer’s retirement account rather than delivering the benefit as a tax credit.
“The Saver’s Match makes saving easier and more rewarding by providing a direct federal contribution to an eligible taxpayer’s retirement account,” IRS Chief Executive Officer Frank J. Bisignano said.
The notice also begins Treasury’s implementation of President Donald Trump’s April 30 executive order establishing TrumpIRA.gov, a website intended to increase awareness of the Saver’s Match and direct workers toward eligible retirement accounts.
Treasury is scheduled to launch TrumpIRA.gov on Jan. 1, 2027, with an emphasis on workers who lack access to employer-sponsored retirement plans.
The government expects the website to list financial institutions offering IRAs that accept Saver’s Match contributions and satisfy additional criteria established for participation. Treasury and the IRS expect to provide more information later this year for IRA providers seeking inclusion on the site.
The executive order calls for promoting retirement savings vehicles offering low-cost, diversified and index-based investment options. It also emphasizes that otherwise eligible taxpayers who contribute to IRAs are entitled to participate in the Saver’s Match.
The regulatory process remains underway. Notice 2026-48 identifies areas on which Treasury and the IRS are seeking input before issuing proposed regulations.
Interested parties have until Oct. 5, 2026, to submit comments on implementation of the Saver’s Match program.
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