The saving tax credit is eligible for ages 18 or older, not a full-time student, and not claimed as a dependent on another person return. The credit percentage can be up to %50 depending on the  adjusted gross income. The maximum credit amount is up to $2,000 and $4,000 for married filing jointly. Click link to IRS website details regarding saving's credit be sure to scroll to bottom of their page to get the percentage chart. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit