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119-s-5507119th CongressWALLET

Saver's Match Enhancement Act of 2026

Sponsored By: Senator Wyden, Ron [D-OR]

Introduced

Summary

Would double the Saver’s Match to a 100% government match and broaden eligibility. It would raise the income limit to $85,000, treat matching contributions as Roth contributions, and index key thresholds for inflation while taking effect for taxable years after December 31, 2026.

Show full summary
  • Middle-income households: More people qualify for matching help because the eligibility cutoff goes from $41,000 to $85,000, and the match rate increases from 50% to 100%, making each dollar saved match one dollar from the government.
  • Savers who prefer Roth accounts: Government matching contributions would be treated as designated Roth contributions or Roth IRAs, so matches follow after-tax Roth rules for contributions and distributions.
  • Program mechanics and timing: The law would add inflation adjustments for the $2,000 and $85,000 thresholds and include technical cross-references to align Roth treatment with existing retirement rules.

*Would raise federal matching costs by increasing the match and widening eligibility, expanding program spending compared with current law.*

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 4 benefits, 0 costs, 0 mixed.

More federal match for savers

If enacted, the Saver's Match match rate would increase from 50% to 100% for eligible contributions. That would double the federal match savers get on qualifying deposits. The change would apply for tax years beginning after December 31, 2026.

Saver's Match eligibility raised to $85,000

If enacted, this bill would raise the Saver's Match income cutoff from $41,000 to $85,000. More middle-income households would be able to qualify for the match. The change would apply for tax years beginning after December 31, 2026.

Roth contributions eligible for match

If enacted, designated Roth contributions and Roth IRA contributions could qualify for the Saver's Match. Designated Roth deferrals would need to be elective deferrals to an applicable plan, and Roth IRA contributions would need to be made by the individual. The bill also treats designated Roth contributions as excludable from gross income as described in the amendments.

Saver's Match indexed starting 2027

If enacted, the $2,000 match amount and the $85,000 income limit would be added to the figures that are adjusted for inflation. The indexing would take effect for taxable years beginning after December 31, 2026, so changes would start in tax year 2027. Indexing would help preserve these thresholds' real value over time.

Sponsors & CoSponsors

Sponsor

Wyden, Ron [D-OR]

OR • D

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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