Looks like daughter's income is about 1200 too high to get the savers credit. She's only put 4k into her Roth for 2025, so…

    If she puts 1500 into a Trad, then she can also take the $200 Saver Credit right?

    Quick Savers Credit Question.
    byu/Rocket_song1 intax



    Posted by Rocket_song1

    1 Comment

    1. Yes, assuming she satisfies the other requirements (mainly not being a full time student for five or more calendar months or claimed as a dependent).

      The saver’s credit is one of the few pieces of the tax code (that individuals might see at least) that can be gamed like this because it doesn’t have a continuous phaseout.

    Leave A Reply
    Share via