# 119-s-5507: Saver's Match Enhancement Act of 2026

119-s-5507, Saver's Match Enhancement Act of 2026, is a 119th Congress bill sponsored by Sen. Wyden, Ron [D-OR] (D-OR); status introduced; PRIA reads it as touching household money (as of 2026-10-16).

- Canonical: https://policyrisk.com/legislation/119-s-5507
- As of: 2026-10-16
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-5507
- Congress: 119
- Title: Saver's Match Enhancement Act of 2026
- Status: introduced
- Introduced: 2026-09-24
- Sponsor: Sen. Wyden, Ron [D-OR] (D-OR)
- Cosponsors: 0
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-10-16

## 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. - 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.*

## Provisions PRIA read

- More federal match for savers: benefit, medium. 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: benefit, medium. 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: benefit, low. 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 con…
- Saver's Match indexed starting 2027: benefit, low. 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'…

## Related bills

- 119-s-891: Bipartisan Health Care Act
- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-5022: Cannabis Administration and Opportunity Act
- 119-s-2819: Head Start for America's Children Act
- 119-s-4504: Full-Service Community School Expansion Act of 2026
- 119-s-3990: PrEP Access and Coverage Act of 2026

## Sources
- [119-s-5507 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/5507)

## Related
- [119-s-891: Bipartisan Health Care Act](https://policyrisk.com/legislation/119-s-891)
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-5022: Cannabis Administration and Opportunity Act](https://policyrisk.com/legislation/119-s-5022)
- [119-s-2819: Head Start for America's Children Act](https://policyrisk.com/legislation/119-s-2819)
- [119-s-4504: Full-Service Community School Expansion Act of 2026](https://policyrisk.com/legislation/119-s-4504)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-5507 (as of 2026-10-16).