TrumpIRA.gov Explained
TrumpIRA.gov is a federal IRA-comparison website the Treasury Department must launch by January 1, 2027 — aimed at roughly 56 million workers with no employer retirement plan, and built around the SECURE 2.0 Saver's Match. It is easy to confuse with the unrelated Trump Account for newborns; this page disambiguates both.
What TrumpIRA.gov is
TrumpIRA.gov is a federal informational marketplace, not a retirement account. An executive order signed April 30, 2026 directs the Treasury Department to build a website where workers who have no employer-sponsored retirement plan — independent contractors, the self-employed, small-business staff, and part-timers — can research, compare, and enroll in private-sector IRAs. Treasury must launch it by January 1, 2027, timed to coincide with the first year the Saver's Match takes effect.
To be listed, an IRA product must meet baseline consumer-protection criteria set by the order — a net expense ratio capped at 0.15%, no minimum contribution or balance requirement, and a defined menu expected to emphasize diversified, index-based investment options.
Who it targets: ~56 million workers
About half the U.S. workforce — an estimated 56 million people — has no access to a workplace pension or 401(k)-style plan, including many gig workers, contractors, and employees of small businesses that don't sponsor a plan. TrumpIRA.gov is aimed squarely at that gap: it doesn't create a new benefit, but it packages an existing one (the IRA) with an existing federal incentive (the Saver's Match) into one comparison tool.
The SECURE 2.0 Saver's Match it delivers
The Saver's Match is not new law created by this executive order — it was enacted as part of the SECURE 2.0 Act of 2022 (IRC §6433) and takes effect for contributions made in tax year 2027. TrumpIRA.gov's role is to raise awareness of it and route eligible workers toward accounts that can receive it.
| Feature | Detail |
|---|---|
| Match rate | 50% of contributions |
| Contribution eligible for match | Up to $2,000/year |
| Maximum annual match | $1,000/year |
| Full match income limit | $20,500 single / $41,000 MFJ MAGI |
| Match fully phased out | $35,500 single / $71,000 MFJ MAGI |
| First effective tax year | 2027 (deposits expected in early 2028) |
| Where the match lands | Deposited directly into the saver's IRA or workplace plan — not a check or refund line |
2027 thresholds are fixed by statute and become inflation-adjusted starting 2028. Source: IRS Notice 2024-65, IRC §6433.
The Saver's Match replaces the Saver's Credit in 2027
Through tax year 2026, low-and-moderate-income savers claim the Saver's Credit (Form 8880) — a nonrefundable tax credit worth 10%, 20%, or 50% of up to $2,000 in retirement contributions, reducing whatever tax you owe when you file. For 2026, the 50% tier tops out at $24,250 single MAGI / $48,500 MFJ, and the credit disappears entirely above $40,250 single / $80,500 MFJ.
For taxable years after December 31, 2026, SECURE 2.0 §103 repeals that credit and replaces it with the Saver's Match described above. The mechanics change in three ways: the benefit becomes a direct deposit into the retirement account rather than a reduction of tax owed, it no longer depends on having a tax liability to offset (so it can help savers who owe little or no federal tax), and it is capped in dollars ($1,000) rather than scaling with a percentage-of-contribution formula at three separate rate tiers. Run today's rules on our Saver's Credit Calculator — it still applies through the 2026 tax year.
Don't confuse this with the Trump Account
The names are easy to mix up but the programs share nothing except the branding. A Trump Account is a custodial retirement-style account opened for a child born 2025 through 2028 — created by the OBBBA, funded by a one-time $1,000 federal pilot deposit plus up to $5,000/year in combined family and employer contributions, with withdrawals blocked until the child turns 18. TrumpIRA.gov is an adult-facing comparison website created by a separate executive order; it does not open any account on your behalf and delivers no deposit of its own — it simply points eligible adult workers toward IRAs that can receive the existing Saver's Match.
| Feature | TrumpIRA.gov | Trump Account |
|---|---|---|
| What it is | Federal IRA-comparison website | Custodial investment account for a child |
| Created by | Executive order (April 30, 2026) | OBBBA statute |
| Who it's for | Adult workers without an employer plan | Children born 2025-2028 |
| Federal money involved | None directly — promotes the Saver's Match | $1,000 one-time pilot deposit |
| Launch/availability | By January 1, 2027 | Open since July 4, 2026 |
Frequently asked questions
What is TrumpIRA.gov?
TrumpIRA.gov is a federal website the Treasury Department is required to launch by January 1, 2027, under an executive order signed April 30, 2026. It lets workers who lack an employer retirement plan — independent contractors, the self-employed, part-timers, and small-business employees — research, compare, and enroll in low-cost private-sector IRAs, and it promotes awareness of the SECURE 2.0 Saver's Match. It is not itself a retirement account or a government-run investment fund.
Is TrumpIRA.gov the same as a Trump Account?
No — despite the similar name, they are unrelated programs created by different laws. A Trump Account is a custodial investment account for a child born 2025-2028, created by the OBBBA, funded by a one-time $1,000 federal pilot deposit plus up to $5,000/year in family and employer contributions, with no withdrawals until age 18. TrumpIRA.gov is an adult-facing informational marketplace, created by executive order, that points workers toward ordinary IRAs and the Saver's Match — it involves no new account type and no federal deposit of its own.
What is the SECURE 2.0 Saver's Match TrumpIRA.gov promotes?
Beginning with contributions made in tax year 2027, the federal government will deposit a matching contribution — 50% of up to $2,000 contributed to an IRA or workplace retirement plan, for a maximum match of $1,000 per year — directly into the saver's account. It replaces the current Saver's Credit (a refund-based tax credit, capped at $2,000 of contributions) for taxable years after December 31, 2026.
Who qualifies for the Saver's Match?
Workers with 2027 modified AGI up to $20,500 (single or married filing separately) or $41,000 (married filing jointly) qualify for the full 50% match. The match phases down and is fully gone above $35,500 single / $71,000 MFJ. These dollar thresholds are fixed in the SECURE 2.0 statute for 2027 and become inflation-adjusted starting in 2028.
How many workers does TrumpIRA.gov target?
The executive order and White House materials cite roughly 56 million U.S. workers — about half the workforce — who lack access to any employer-sponsored retirement plan, including many independent contractors, part-time employees, and small-business staff.
Sources
- The White House — Promoting Retirement-Savings Access for American Workers by Establishing TrumpIRA.gov
- Federal Register — Promoting Retirement-Savings Access for American Workers by Establishing TrumpIRA.gov
- IRS Notice 2024-65 — Saver's Match implementation guidance
- IRS — Retirement Savings Contributions Credit (Saver's Credit)
- IRS Notice 2025-68: Trump Accounts guidance
Related Calculators
Savers Credit Calculator
Retirement savings contribution credit 10–50%, income limits
Trump Account Calculator
Project a Trump Account to age 18 — $1,000 pilot deposit, $5,000/yr cap, employer contributions, withdrawal tax, 529 comparison
Retirement Contribution Limits 2026
2026 401(k), 403(b), 457(b), IRA, SIMPLE and SEP limits, catch-ups, and the new mandatory Roth catch-up rule
Retirement Contribution Limits 2027 (Projected)
Projected 2027 401(k), 403(b), 457(b) and IRA limits from Milliman’s actuarial forecast — clearly labeled projected, not official
Roth vs Traditional IRA
Side-by-side Roth vs traditional projection — current-year deduction vs tax-free retirement withdrawal at your projected marginal rate