For the newly proposed retirement plan for adult Americans (often referred to as the TrumpIRA or the Saver's Match expansion), there is no income cap for making contributions to an account, but there are strict income limits for receiving the federal matching funds.
Contribution Limits (How much you can put in)
No Income Limit for Contributing: Any adult American will be able to open a low-cost account through TrumpIRA.gov starting January 1, 2027, regardless of how much they earn.
Annual IRA Limit: For 2026, the general IRS contribution limit for all combined IRAs (Traditional, Roth, or TrumpIRA) is $7,500 for those under 50, and $8,600 for those 50 and older.
Matching Limits (The "Saver's Match")
The proposal focuses on a federal match for lower-to-middle-income workers who do not have a workplace 401(k).
Filing Status | Full Match ($1,000 max) | Partial Match (Phase-out) | No Match (Income Cap) |
| Single | Income up to $20,500 | $20,501 – $35,500 | Over $35,500 |
| Married (Joint) | Income up to $41,000 | $41,001 – $71,000 | Over $71,000 |
Key Details of the Plan:
The Match: The federal government will provide a 50% match on your contributions, up to a maximum federal contribution of $1,000 per person ($2,000 for couples).
Eligibility: To qualify for the match, you must be at least 18 years old, not a full-time student, and not claimed as a dependent.
Platform: TrumpIRA.gov will serve as a centralized marketplace to help workers compare private-sector IRA options with low fees, modeled after the federal Thrift Savings Plan (TSP).
Future Expansion: The administration has signaled plans to ask Congress to expand the $1,000 matching eligibility to workers with higher incomes in the future.
Is there a cap on how much you can make and still contribute?
Good question:
For the newly proposed retirement plan for adult Americans (often referred to as the TrumpIRA or the Saver's Match expansion), there is no income cap for making contributions to an account, but there are strict income limits for receiving the federal matching funds.
No Income Limit for Contributing: Any adult American will be able to open a low-cost account through TrumpIRA.gov starting January 1, 2027, regardless of how much they earn.
Annual IRA Limit: For 2026, the general IRS contribution limit for all combined IRAs (Traditional, Roth, or TrumpIRA) is $7,500 for those under 50, and $8,600 for those 50 and older.
| Single | Income up to $20,500 | $20,501 – $35,500 | Over $35,500 |
| Married (Joint) | Income up to $41,000 | $41,001 – $71,000 | Over $71,000 |
Key Details of the Plan:
The Match: The federal government will provide a 50% match on your contributions, up to a maximum federal contribution of $1,000 per person ($2,000 for couples).
Eligibility: To qualify for the match, you must be at least 18 years old, not a full-time student, and not claimed as a dependent.
Platform: TrumpIRA.gov will serve as a centralized marketplace to help workers compare private-sector IRA options with low fees, modeled after the federal Thrift Savings Plan (TSP).
Future Expansion: The administration has signaled plans to ask Congress to expand the $1,000 matching eligibility to workers with higher incomes in the future.
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