Deductions & Credits

Form 8880: Credit for Qualified Retirement Savings Contributions (Saver's Credit)

Used to claim the Saver's Credit for eligible contributions to IRAs, 401(k)s, and other qualified retirement plans by low- and moderate-income taxpayers.

Download Form 8880 PDFAbout on IRS.govInstructions PDF

Who Files This Form?

Taxpayers age 18+ (not students or dependents) with AGI below certain thresholds who made eligible retirement contributions.

Key Fields

  • Traditional/Roth IRA contributions
  • Elective deferrals to 401(k)/403(b)
  • Distributions received
  • Credit rate
  • Credit amount

Filing Deadlines

Due Date

April 15

With Extension

October 15

Late Filing Penalty

Filed with Form 1040; no separate penalty, but failure to file means loss of the Saver's Credit.

Related Forms

Form 1040

U.S. Individual Income Tax Return

Form 5498

IRA Contribution Information

Schedule 3

Additional Credits and Payments

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