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The Amended Taxes
Amended taxes 10. Amended taxes Retirement Savings Contributions Credit (Saver's Credit) Table of Contents Full-time student. Amended taxes Adjusted gross income. Amended taxes Distributions received by spouse. Amended taxes Testing period. Amended taxes If you or your employer make eligible contributions (defined later) to a retirement plan, you may be able to take a credit of up to $1,000 (up to $2,000 if filing jointly). Amended taxes This credit could reduce the federal income tax you pay dollar for dollar. Amended taxes Can you claim the credit? If you or your employer make eligible contributions to a retirement plan, you can claim the credit if all of the following apply. Amended taxes You are not under age 18. Amended taxes You are not a full-time student (explained next). Amended taxes No one else, such as your parent(s), claims an exemption for you on their tax return. Amended taxes Your adjusted gross income (defined later) is not more than: $59,000 for 2013 ($60,000 for 2014) if your filing status is married filing jointly, $44,250 for 2013 ($45,000 for 2014) if your filing status is head of household (with qualifying person), or $29,500 for 2013 ($30,000 for 2014) if your filing status is single, married filing separately, or qualifying widow(er) with dependent child. Amended taxes Full-time student. Amended taxes You are a full-time student if, during some part of each of 5 calendar months (not necessarily consecutive) during the calendar year, you are either: A full-time student at a school that has a regular teaching staff, course of study, and regularly enrolled body of students in attendance, or A student taking a full-time, on-farm training course given by either a school that has a regular teaching staff, course of study, and regularly enrolled body of students in attendance, or a state, county, or local government. Amended taxes You are a full-time student if you are enrolled for the number of hours or courses the school considers to be full-time. Amended taxes Adjusted gross income. Amended taxes This is generally the amount on line 38 of your 2013 Form 1040 or line 22 of your 2013 Form 1040A. Amended taxes However, you must add to that amount any exclusion or deduction claimed for the year for: Foreign earned income, Foreign housing costs, Income for bona fide residents of American Samoa, and Income from Puerto Rico. Amended taxes Eligible contributions. Amended taxes These include: Contributions to a traditional or Roth IRA, Elective deferrals, including amounts designated as after-tax Roth contributions, to: A 401(k) plan (including a SIMPLE 401(k)), A section 403(b) annuity, An eligible deferred compensation plan of a state or local government (a governmental 457 plan), A SIMPLE IRA plan, or A salary reduction SEP, and Contributions to a section 501(c)(18) plan. Amended taxes They also include voluntary after-tax employee contributions to a tax-qualified retirement plan or a section 403(b) annuity. Amended taxes For purposes of the credit, an employee contribution will be voluntary as long as it is not required as a condition of employment. Amended taxes Reducing eligible contributions. Amended taxes Reduce your eligible contributions (but not below zero) by the total distributions you received during the testing period (defined later) from any IRA, plan, or annuity included earlier under Eligible contributions. Amended taxes Also reduce your eligible contributions by any distribution from a Roth IRA that is not rolled over, even if the distribution is not taxable. Amended taxes Do not reduce your eligible contributions by any of the following: The portion of any distribution which is not includible in income because it is a trustee-to-trustee transfer or a rollover distribution. Amended taxes Any distribution that is a return of a contribution to an IRA (including a Roth IRA) made during the year for which you claim the credit if: The distribution is made before the due date (including extensions) of your tax return for that year, You do not take a deduction for the contribution, and The distribution includes any income attributable to the contribution. Amended taxes Loans from a qualified employer plan treated as a distribution. Amended taxes Distributions of excess contributions or deferrals (and income attributable to excess contributions and deferrals). Amended taxes Distributions of dividends paid on stock held by an employee stock ownership plan under section 404(k). Amended taxes Distributions from an eligible retirement plan that are converted or rolled over to a Roth IRA. Amended taxes Distributions from a military retirement plan. Amended taxes Distributions received by spouse. Amended taxes Any distributions your spouse receives are treated as received by you if you file a joint return with your spouse both for the year of the distribution and for the year for which you claim the credit. Amended taxes Testing period. Amended taxes The testing period consists of: The year in which you claim the credit, The 2 years before the year in which you claim the credit, and The period after the end of the year in which you claim the credit and before the due date of the return (including extensions) for filing your return for the year in which you claimed the credit. Amended taxes Example. Amended taxes You and your spouse filed joint returns in 2011 and 2012, and plan to do so in 2013 and 2014. Amended taxes You received a taxable distribution from a qualified plan in 2011 and a taxable distribution from an eligible section 457(b) deferred compensation plan in 2012. Amended taxes Your spouse received taxable distributions from a Roth IRA in 2013 and tax-free distributions from a Roth IRA in 2014 before April 15. Amended taxes You made eligible contributions to an IRA in 2013 and you otherwise qualify for this credit. Amended taxes You must reduce the amount of your qualifying contributions in 2013 by the total of the distributions you and your spouse received in 2011, 2012, 2013, and 2014. Amended taxes Maximum eligible contributions. Amended taxes After your contributions are reduced, the maximum annual contribution on which you can base the credit is $2,000 per person. Amended taxes Effect on other credits. Amended taxes The amount of this credit will not change the amount of your refundable tax credits. Amended taxes A refundable tax credit, such as the earned income credit or the additional child tax credit, is an amount that you would receive as a refund even if you did not otherwise owe any taxes. Amended taxes Maximum credit. Amended taxes This is a nonrefundable credit. Amended taxes The amount of the credit in any year cannot be more than the amount of tax that you would otherwise pay (not counting any refundable credits or the adoption credit) in any year. Amended taxes If your tax liability is reduced to zero because of other nonrefundable credits, such as the education credits, then you will not be entitled to this credit. Amended taxes How to figure and report the credit. Amended taxes The amount of the credit you can get is based on the contributions you make and your credit rate. Amended taxes The credit rate can be as low as 10% or as high as 50%. Amended taxes Your credit rate depends on your income and your filing status. Amended taxes See Form 8880, Credit for Qualified Retirement Savings Contributions, to determine your credit rate. Amended taxes The maximum contribution taken into account is $2,000 per person. Amended taxes On a joint return, up to $2,000 is taken into account for each spouse. Amended taxes Figure the credit on Form 8880. Amended taxes Report the credit on line 50 of your Form 1040 or line 32 of your Form 1040A, and attach Form 8880 to your return. Amended taxes Prev Up Next Home More Online Publications