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H.R. 2852 119th Congress House

Expanded Student Saver’s Tax Credit Act

Official title: To amend the Internal Revenue Code of 1986 to allow students to take the saver's credit and receive the saver's match.

Introduced: April 10, 2025 Introduced by: Julie Johnson Democratic · Texas See on congress.gov
Taxation
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 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 10, 2025
Referred to the House Committee on Ways and Means.
Apr 10, 2025
Introduced in House
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What's happening now April 10, 2025

Referred to the House Committee on Ways and Means.

 Plain-English summary Congressional Research Service

Expanded Student Saver's Tax Credit Act

This bill allows full-time students to qualify for the federal Retirement Savings Contribution Tax Credit (commonly known as the Saver’s Credit) through 2026 and the federal Saver’s Match beginning in 2027.

As background, an eligible individual may claim the nonrefundable Saver’s Credit for a percentage of contributions made to a qualified retirement account (e.g., individual retirement account or employer-sponsored retirement account). The maximum Saver’s Credit amount allowed is $1,000 (or $2,000 for married joint filers). 

Under current law, the Saver’s Credit will be replaced by the Saver’s Match in 2027. Under the Saver's Match, a matching contribution of up to $1,000 (or $2,000 for married joint filers) may be deposited into an individual’s qualified retirement account. 

Full-time students are currently not eligible for the Saver’s Credit or Saver’s Match. Under the bill, the definition of an eligible individual for purposes of the Saver’s Credit and the Saver’s Match is modified to include full-time students.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 1

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

Bodies those filers lobbied

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 Cosponsors 2
All 2 Democratic 2
D
Johnson, Henry C. "Hank"
Georgia · Apr 10, 2025
 D
Norton, Eleanor Holmes
District of Columbia · Apr 10, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 2852: Expanded Student Saver’s Tax Credit Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-2852/
MLA
"H.R. 2852: Expanded Student Saver’s Tax Credit Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-2852/.
Bluebook (legal)
H.R. 2852, 119th Cong. (2026), https://openamerica.io/bill/119-HR-2852/.
Markdown link
[H.R. 2852: Expanded Student Saver’s Tax Credit Act](https://openamerica.io/bill/119-HR-2852/)
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