The Savers Match Pays Up to $1,000 Even If You Owe No Tax

Save in a 401(k) or IRA on a modest income, and you can get back up to half of your first $2,000. Claim the Savers Credit on your return through tax year 2026. From tax year 2027, claim the Savers Match instead, and the money goes into your retirement account whether or not you owe tax. Source