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Filing Tax Return

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Filing Tax Return

Filing tax return 4. Filing tax return   Retirement Savings Contributions Credit (Saver's Credit) Table of Contents What's New Introduction Full-time student. Filing tax return Adjusted gross income. Filing tax return Distributions received by spouse. Filing tax return Testing period. Filing tax return What's New Modified AGI limit for retirement savings contributions credit increased. Filing tax return  For 2013, you may be able to claim the retirement savings contributions credit if your modified AGI is not more than: $59,000 if your filing status is married filing jointly, $44,250 if your filing status is head of household, or $29,500 if your filing status is single, married filing separately, or qualifying widow(er). Filing tax return Introduction You may be able to take a tax credit if you make eligible contributions (defined later) to a qualified retirement plan, an eligible deferred compensation plan, or an individual retirement arrangement (IRA). Filing tax return You may be able to take a credit of up to $1,000 (up to $2,000 if filing jointly). Filing tax return This credit could reduce the federal income tax you pay dollar for dollar. Filing tax return    Can you claim the credit?   If you make eligible contributions to a qualified retirement plan, an eligible deferred compensation plan, or an IRA, you can claim the credit if all of the following apply. Filing tax return You were born before January 2, 1996. Filing tax return You are not a full-time student (explained next). Filing tax return No one else, such as your parent(s), claims an exemption for you on their tax return. Filing tax return Your adjusted gross income (defined below) is not more than: $59,000 if your filing status is married filing jointly, $44,250 if your filing status is head of household, or $29,500 if your filing status is single, married filing separately, or qualifying widow(er). Filing tax return Full-time student. Filing tax return   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. Filing tax return You are a full-time student if you are enrolled for the number of hours or courses the school considers to be full time. Filing tax return Adjusted gross income. Filing tax return   This is generally the amount on line 38 of your 2013 Form 1040; line 22 of your 2013 Form 1040A; or line 37 of your 2013 Form 1040NR. Filing tax return 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. Filing tax return Eligible contributions. Filing tax return   These include: Contributions to a traditional or Roth IRA, Salary reduction contributions (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. Filing tax return They also include voluntary after-tax employee contributions to a tax-qualified retirement plan or section 403(b) annuity. Filing tax return For purposes of the credit, an employee contribution will be voluntary as long as it is not required as a condition of employment. Filing tax return Reducing eligible contributions. Filing tax return   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 above under Eligible contributions. Filing tax return Also reduce your eligible contributions by any distribution from a Roth IRA that is not rolled over, even if the distribution is not taxable. Filing tax return   Do not reduce your eligible contributions by any of the following. Filing tax return The portion of any distribution which is not includible in income because it is a trustee-to-trustee transfer or a rollover distribution. Filing tax return Distributions that are taxable as the result of an in-plan rollover to your designated Roth account. Filing tax return 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. Filing tax return Loans from a qualified employer plan treated as a distribution. Filing tax return Distributions of excess contributions or deferrals (and income attributable to excess contributions and deferrals). Filing tax return Distributions of dividends paid on stock held by an employee stock ownership plan under section 404(k). Filing tax return Distributions from an eligible retirement plan that are converted or rolled over to a Roth IRA. Filing tax return Distributions from a military retirement plan. Filing tax return Distributions from an inherited IRA by a nonspousal beneficiary. Filing tax return Distributions received by spouse. Filing tax return   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. Filing tax return Testing period. Filing tax return   The testing period consists of the year for which you claim the credit, the period after the end of that year and before the due date (including extensions) for filing your return for that year, and the 2 tax years before that year. Filing tax return Example. Filing tax return You and your spouse filed joint returns in 2011 and 2012, and plan to do so in 2013 and 2014. Filing tax return You received a taxable distribution from a qualified plan in 2011 and a taxable distribution from an eligible deferred compensation plan in 2012. Filing tax return Your spouse received taxable distributions from a Roth IRA in 2013 and tax-free distributions from a Roth IRA in 2014 before April 15. Filing tax return You made eligible contributions to an IRA in 2013 and you otherwise qualify for this credit. Filing tax return You must reduce the amount of your qualifying contributions in 2013 by the total of the distributions you received in 2011, 2012, 2013, and 2014. Filing tax return Maximum eligible contributions. Filing tax return   After your contributions are reduced, the maximum annual contribution on which you can base the credit is $2,000 per person. Filing tax return Effect on other credits. Filing tax return   The amount of this credit will not change the amount of your refundable tax credits. Filing tax return A refundable tax credit, such as the earned income credit or the refundable amount of your child tax credit, is an amount that you would receive as a refund even if you did not otherwise owe any taxes. Filing tax return Maximum credit. Filing tax return   This is a nonrefundable credit. Filing tax return 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) in any year. Filing tax return If your tax liability is reduced to zero because of other nonrefundable credits, such as the credit for child and dependent care expenses, then you will not be entitled to this credit. Filing tax return How to figure and report the credit. Filing tax return   The amount of the credit you can get is based on the contributions you make and your credit rate. Filing tax return Your credit rate can be as low as 10% or as high as 50%. Filing tax return Your credit rate depends on your income and your filing status. Filing tax return See Form 8880 to determine your credit rate. Filing tax return   The maximum contribution taken into account is $2,000 per person. Filing tax return On a joint return, up to $2,000 is taken into account for each spouse. Filing tax return   Figure the credit on Form 8880. Filing tax return Report the credit on line 50 of your Form 1040; line 32 of your Form 1040A; or line 47 of your Form 1040NR and attach Form 8880 to your return. Filing tax return Prev  Up  Next   Home   More Online Publications
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Understanding your CP13R Notice

We made changes to your return involving the Recovery Rebate Credit. You're not due a refund nor do you owe an additional amount because of our changes. Your account balance is zero.

Printable samples of this notice (PDF)

Tax publications you may find useful

How to get help

Calling the 1-800 number listed on the top right corner of your notice is the fastest way to get your questions answered.

You can also authorize someone (such as an accountant) to contact the IRS on your behalf using this Power of Attorney and Declaration of Representative (Form 2848).

Or you may qualify for help from a Low Income Taxpayer Clinic.
 


What you need to do

  • Read your notice carefully — it will explain how the Recovery Rebate Credit relates to the changes we made.
  • Review the notice and compare our changes to the information on your tax return.
  • Correct the copy of your tax return that you kept for your records.
  • You don't need to do anything if you agree with the notice.
  • If you disagree with the notice, please contact us at the toll-free number listed on its top right corner (within 60 days of its date).

You may want to...


Answers to Common Questions

What is the Recovery Rebate Credit?
It is a refundable credit that relates to the 2008 economic stimulus payment. Generally, a refundable credit increases the amount of a refund received or it reduces the amount of taxes owed.

What should I do if I disagree with the changes you made?
Contact us at the toll free number listed on the top right corner of your notice if you disagree with the changes we made.

What should I do if I need to make another correction to my tax return?
You'll need to file an amended return to make a correction.


Tips for next year

Consider filing your taxes electronically. Filing online can help you avoid mistakes and find credits and deductions that you may qualify for. In many cases you can file for free. Learn more about e-file.

Perform a quick check on the amount you have withheld to make sure you won't owe money next year. You can use this IRS withholding calculator.

Page Last Reviewed or Updated: 20-Feb-2014

The Filing Tax Return

Filing tax return Index A Assistance (see Tax help) F Free tax services, How To Get Tax Help H Help (see Tax help) P Publications (see Tax help) T Tax help, How To Get Tax Help TTY/TDD information, How To Get Tax Help Prev  Up     Home   More Online Publications