Treasury says TrumpIRA.gov, a federal website listing IRAs that accept the new Saver’s Match, will officially launch on January 1, 2027. The Internal Revenue Service announced the date in an August 7, 2026 release, IR-2026-89, which began putting Executive Order 14403 into effect.
Until then, no official list of qualifying IRA providers exists, so a saver who wants to open an account that takes the match has about two months to wait for the site. The order is titled “Promoting Retirement-Savings Access for American Workers by Establishing TrumpIRA.gov.”
What the site is meant to list
The IRS release says Treasury will officially launch TrumpIRA.gov on Jan. 1, 2027, and that the site will provide information about high-quality, low-cost IRAs. Treasury and the IRS expect it to name IRA providers that accept Saver’s Match contributions and meet other established criteria.
The IRS Saver’s Match page, updated September 29, 2026, says the same: starting in 2027, the site will list financial institutions that offer IRAs and accept Saver’s Match contributions. The page does not spell out the other criteria a provider must meet. The focus is on workers who have no employer retirement plan.
How much the match pays
The Saver’s Match is a federal deposit for people who put money into an IRA. It pays 50% on the first $2,000 of qualified contributions, so the most any person can receive is $1,000 a year, deposited directly into the designated retirement account.
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The first match is for 2027 contributions. Savers claim it by filing Form 8880-A with the 2027 federal tax return in 2028, which is why the payments start in 2028. IRS Chief Executive Officer Frank J. Bisignano said in the release that “the Saver’s Match makes saving easier and more rewarding by providing a direct federal contribution.”
Who is in range for a full match
Income decides the size of the match. For the 2027 tax year, the IRS page lists these modified adjusted gross income limits for a full 50% match:
- Single or married filing separately: up to $20,500, with a partial match from $20,501 to $35,499 and none at $35,500 and above.
- Head of household: up to $30,750, with a partial match from $30,751 to $53,249 and none at $53,250 and above.
- Married filing jointly: up to $41,000, with a partial match from $41,001 to $70,999 and none at $71,000 and above.
Savers must also be 18 by the end of the tax year. The IRS says the limits will be adjusted for inflation in years after 2027.
Where to open an IRA that takes the match
For now, the answer is the January 1 site. The IRS has not published a provider list, and the Saver’s Match page points to TrumpIRA.gov as the place institutions will be named. The match is claimed on the 2027 return, and 2027 contributions are the ones that count.
Any IRA opened before the list appears may or may not be on it. The IRS says only that listed providers accept Saver’s Match contributions and satisfy other criteria it has not detailed, so the list is the thing to check before choosing.
The rules still being written
The August release is titled as an announcement of intent to issue proposed regulations. It describes Notice 2026-48, which announced Treasury’s plan to propose rules for the Saver’s Match and asked for comments by October 5, 2026. That comment period has closed, and the proposed rules themselves have not been published.
The IRS also does not say when in 2028 the matching money will land. Its page says only that the match goes into the designated retirement account, up to $1,000 per person each year.
The launch date, the match formula and the 2027 income limits are all on IRS pages. The open question is which providers make the first list on January 1, and what the “other criteria” turn out to be.
Opening an IRA before the Saver’s Match list appears?
A $1,000 match on an IRA is only one piece of the tax picture for a saver or retiree. Which account money comes out of first, and whether the new senior deduction is being used, can change a tax bill by more than the match adds.
The Retirement Tax & Withdrawal Planner covers the senior deduction and the account withdrawal order, and it comes with four calculators in Excel: provisional income, IRMAA tier, RMD schedule and Roth bracket fill. Part 3 is devoted to the new $6,000 senior deduction.
Get the retirement tax planner with the senior deduction and withdrawal order →
More Financial Reading
- 21 Ways to Stretch a $2,087 Social Security Check
- 15 Places to Find Your Share of the $4.25 Billion States Give Back
- 15 Ways Retirees Are Tapping a Record $14.9 Trillion in Home Equity
This article was produced with AI assistance and edited for accuracy against the sources linked above.
