H.R. 2852 explained · 119th Congress · Pending in Congress
Expanded Student Saver’s Tax Credit Act
Cosponsors: 2 (2 D, 0 R) · per Congress.gov, 2026-10-11
Introduced: 2025-04-10
Latest action (2025-04-10): Referred to the House Committee on Ways and Means.
What H.R. 2852 does, in plain terms
Expanded Student Saver's Tax Credit Act This bill allows full-time students to qualify for the federal Retirement Savings Contribution Tax Credit (commonly known as the Saver’s Credit) through 2026 and the federal Saver’s Match beginning in 2027. As background, an eligible individual may claim the nonrefundable Saver’s Credit for a percentage of contributions made to a qualified retirement account (e.g., individual retirement account or employer-sponsored retirement account). The maximum Saver’s Credit amount allowed is $1,000 (or $2,000 for married joint filers). Under current law, the Saver’s Credit will be replaced by the Saver’s Match in 2027. Under the Saver's Match, a matching contribution of up to $1,000 (or $2,000 for married joint filers) may be deposited into an individual’s qualified retirement account. Full-time students are currently not eligible for the Saver’s Credit or Saver’s Match. Under the bill, the definition of an eligible individual for purposes of the Saver’s Credit and the Saver’s Match is modified to include full-time students.
Official summary by the Congressional Research Service, via Congress.gov.
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