{"id":87,"date":"2026-10-07T21:20:23","date_gmt":"2026-10-07T21:20:23","guid":{"rendered":"https:\/\/skycpa.net\/kr\/?p=87"},"modified":"2026-10-08T04:47:24","modified_gmt":"2026-10-08T04:47:24","slug":"savers-match-guide","status":"publish","type":"post","link":"https:\/\/skycpa.net\/kr\/savers-match-guide\/","title":{"rendered":"[\uc548\ub0b4] 2027\ub144 \uc2dc\ud589 IRS \uc740\ud1f4 \uc790\uae08 \uc815\ubd80 \ub9e4\uce6d \uc9c0\uc6d0\uae08 (Saver’s Match) \uc548\ub0b4"},"content":{"rendered":"\n
\n\n

\ubbf8\uad6d \uad6d\uc138\uccad(IRS)\uc740 \uc800\uc18c\ub4dd \ubc0f \uc911\uc800\uc18c\ub4dd \uac00\uad6c\uc758 \uc548\uc815\uc801\uc778 \ub178\ud6c4 \uc790\uae08 \ub9c8\ub828\uc744 \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 2027\ub144 1\uc6d4 1\uc77c<\/strong>\ubd80\ud130 \uc0c8\ub85c\uc6b4 ‘Saver’s Match’ \uc81c\ub3c4\ub97c \uc2dc\ud589\ud569\ub2c8\ub2e4.<\/p>\n\n

\uae30\uc874\uc5d0\ub294 \uc138\uae08\uc744 \uae4e\uc544\uc8fc\ub294 \uc138\uc561\uacf5\uc81c(Saver’s Credit) \ubc29\uc2dd\uc774\uc5c8\uc73c\ub098, 2027\ub144\ubd80\ud130\ub294 \uc815\ubd80\uac00 \ub0a9\uc785\uae08\uc758 \ucd5c\ub300 50%\ub97c \uac1c\uc778\uc758 \uc740\ud1f4 \uacc4\uc88c\ub85c \uc9c1\uc811 \ud604\uae08 \uc785\uae08\ud574 \uc8fc\ub294 \uc81c\ub3c4\ub85c \uc804\uba74 \uac1c\ud3b8\ub429\ub2c8\ub2e4.<\/p>\n\n

1. \uc8fc\uc694 \ud575\uc2ec \uc694\uc57d<\/h3>\n
    \n
  • \uc9c0\uc6d0 \ube44\uc728:<\/strong> \uc740\ud1f4 \uacc4\uc88c \uc800\ucd95\uc561\uc758 \ucd5c\ub300 50%<\/li>\n
  • \ucd5c\ub300 \ub9e4\uce6d \ud55c\ub3c4:<\/strong> \uac1c\uc778\ub2f9 \uc5f0\uac04 \uc800\ucd95\uc561 $2,000 \uae30\uc900 \ucd5c\ub300 $1,000 \ub9e4\uce6d (\ubd80\ubd80 \uacf5\ub3d9 \uc2e0\uace0 \uc2dc \uac01\uc790 \uc2e0\uccad \uac00\ub2a5\ud558\uc5ec \ucd5c\ub300 $2,000)<\/li>\n
  • \uc9c0\uae09 \ubc29\uc2dd:<\/strong> \uc138\uae08 \ud658\uae09\uc774 \uc544\ub2cc, \ubcf8\uc778\uc758 IRA \ub610\ub294 \uc9c1\uc7a5 \uc740\ud1f4 \uacc4\uc88c(401(k) \ub4f1)\ub85c \uc9c1\uc811 \uc785\uae08<\/li>\n
  • \ud658\uae09\ud615 \uc9c0\uc6d0(Refundable):<\/strong> \ub0a9\ubd80\ud560 \uc5f0\ubc29 \uc18c\ub4dd\uc138\uac00 $0\uc778 \uc800\uc18c\ub4dd\uce35\ub3c4 \uc694\uac74\ub9cc \ub9de\uc73c\uba74 \uc9c0\uc6d0\uae08\uc744 100% \uc218\ub839 \uac00\ub2a5<\/li>\n
  • \uc911\ubcf5 \uc218\ub839:<\/strong> \ud68c\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 401(k) \ub9e4\uce6d\uae08\uacfc \ubcc4\ub3c4\ub85c \uc815\ubd80 \ub9e4\uce6d\uae08\uc744 \ucd94\uac00\ub85c \ubc1b\uc744 \uc218 \uc788\uc74c<\/li>\n<\/ul>\n\n

    2. \uc2e0\uccad \uc790\uaca9 \uc694\uac74<\/h3>\n

    \ub2e4\uc74c \uc870\uac74\uc744 \ubaa8\ub450 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

      \n
    • \uc5f0\ub839 \uc694\uac74:<\/strong> \ud574\ub2f9 \uacfc\uc138 \uc5f0\ub3c4 \ub9d0 \uae30\uc900 \ub9cc 18\uc138 \uc774\uc0c1<\/li>\n
    • \uc2e0\ubd84 \uc694\uac74:<\/strong> \ud0c0\uc778\uc758 \uc138\uae08 \uc2e0\uace0\uc11c\uc5d0 \ubd80\uc591\uac00\uc871(Dependent)\uc73c\ub85c \ub4f1\uc7ac\ub418\uc9c0 \uc54a\uc740 \uc0ac\ub78c<\/li>\n
    • \ud559\uc0dd \uc81c\uc678:<\/strong> \uaddc\uc815\uc5d0 \ub530\ub978 \ud480\ud0c0\uc784 \ud559\uc0dd(Full-time Student)\uc774 \uc544\ub2cc \uc0ac\ub78c<\/li>\n
    • \uc18c\ub4dd \uc694\uac74:<\/strong> \uc870\uc815\ud6c4 \uc218\uc815\ucd1d\uc18c\ub4dd(MAGI)\uc774 \uac00\uad6c \ud615\ud0dc\ubcc4 \uae30\uc900 \ubc94\uc704 \uc774\ud558\uc778 \uacbd\uc6b0<\/li>\n<\/ul>\n\n

      2027\ub144 \uac00\uad6c \ud615\ud0dc\ubcc4 \uc18c\ub4dd \uae30\uc900 (MAGI)<\/strong><\/p>\n

      \n\n \n \n \n \n \n \n
      \uc138\uae08 \uc2e0\uace0 \uc9c0\uc704 (Filing Status)<\/th>\n 100% \ub9e4\uce6d \uad6c\uac04
      (\ub9e4\uce6d\ub960 50%)<\/span><\/th>\n       		\uc810\uc9c4\uc801 \uac10\ucd95 \uad6c\uac04
      (Phase-out)<\/span><\/th>\n       		\uc9c0\uc6d0 \ubd88\uac00
      (\uc18c\ub4dd \ucd08\uacfc)<\/span><\/th>\n <\/tr>\n <\/thead>\n
      \ubd80\ubd80 \uacf5\ub3d9 \uc2e0\uace0 (MFJ)<\/td>\n $41,000 \uc774\ud558<\/td>\n $41,001 ~ $70,999<\/td>\n $71,000 \uc774\uc0c1<\/td>\n <\/tr>\n
      \uc138\ub300\uc8fc (Head of Household)<\/td>\n $30,750 \uc774\ud558<\/td>\n $30,751 ~ $53,249<\/td>\n $53,250 \uc774\uc0c1<\/td>\n <\/tr>\n
      \ub3c5\uc2e0 (Single) \/ \ubd80\ubd80 \ubcc4\ub3c4 \uc2e0\uace0<\/td>\n $20,500 \uc774\ud558<\/td>\n $20,501 ~ $35,499<\/td>\n $35,500 \uc774\uc0c1<\/td>\n <\/tr>\n <\/tbody>\n<\/table>\n<\/div>\n

      \u203b \uc18c\ub4dd \ud55c\ub3c4\ub294 2028\ub144 \uc774\ud6c4 \ubb3c\uac00\uc0c1\uc2b9\ub960\uc5d0 \uc5f0\ub3d9\ub418\uc5b4 \uc7ac\uc870\uc815\ub429\ub2c8\ub2e4.<\/p>\n\n

      3. \ub300\uc0c1 \uc740\ud1f4 \uacc4\uc88c (Eligible Accounts)<\/h3>\n

      \uc815\ubd80 \ub9e4\uce6d\uae08\uc740 \uc138\uc804(Pre-tax) \uc790\uae08\uc73c\ub85c \ucde8\uae09\ub418\uba70, \uc2e0\uccad\uc790\uac00 \uc9c0\uc815\ud55c \uc544\ub798\uc758 \uc801\uaca9 \uc740\ud1f4 \uacc4\uc88c\ub85c \uc785\uae08\ub429\ub2c8\ub2e4.<\/p>\n

        \n
      • \uac1c\uc778 \uc740\ud1f4 \uacc4\uc88c:<\/strong> Traditional IRA<\/li>\n
      • \uc9c1\uc7a5 \uc740\ud1f4 \ud50c\ub79c:<\/strong> 401(k), 403(b), \uc815\ubd80\ud615 457(b) \ud50c\ub79c<\/li>\n
      • \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uc790 \ud50c\ub79c:<\/strong> SIMPLE IRA<\/li>\n<\/ul>\n

        \u203b Roth IRA \ubc0f \uc9c1\uc7a5 \ud50c\ub79c \ub0b4 Roth \uacc4\uc815\uc740 \ub9e4\uce6d\uae08\uc744 \ubc1b\ub294 \uacc4\uc88c\ub85c \uc9c0\uc815\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. Roth \uacc4\uc88c\ub9cc \ubcf4\uc720\ud558\uc2e0 \uacbd\uc6b0, \ub9e4\uce6d\uae08\uc744 \ubc1b\uc744 \uc138\uc804 \uacc4\uc88c\ub97c \ubcc4\ub3c4\ub85c \uc900\ube44\ud558\uc154\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n

        4. \uc2e0\uccad \ubc0f \uc9c0\uae09 \uc808\ucc28 \uc77c\uc815<\/h3>\n
          \n
        1. \uc740\ud1f4 \uc800\ucd95 (2027\ub144 \uc911)<\/strong>
          2027\ub144 1\uc6d4 1\uc77c\ubd80\ud130 12\uc6d4 31\uc77c\uae4c\uc9c0 \ubcf8\uc778\uc758 \uc801\uaca9 \uc740\ud1f4 \uacc4\uc88c(IRA, 401(k) \ub4f1)\uc5d0 \uc800\ucd95\uc744 \uc9c4\ud589\ud569\ub2c8\ub2e4. (\ucd5c\uc18c \ub0a9\uc785 \uae08\uc561 \uc81c\ud55c \uc5c6\uc74c)<\/li>\n
        2. \uc138\uae08 \uc2e0\uace0 \ubc0f \uc2e0\uccad (2028\ub144 \ucd08)<\/strong>
          2027\ub144 \uadc0\uc18d \uc5f0\ubc29 \uc18c\ub4dd\uc138 \uc2e0\uace0 \uc2dc IRS\uac00 \uc9c0\uc815\ud558\ub294 Saver’s Match \uc2e0\uccad \uc11c\uc2dd\uc744 \ud568\uaed8 \uc81c\ucd9c\ud558\uace0, \ub9e4\uce6d\uae08\uc744 \ubc1b\uc744 \uc740\ud1f4 \uacc4\uc88c\ub97c \uc9c0\uc815\ud569\ub2c8\ub2e4.<\/li>\n
        3. \ub9e4\uce6d\uae08 \uc785\uae08 (2028\ub144 \uc0c1\ubc18\uae30)<\/strong>
          \ubbf8 \uc7ac\ubb34\ubd80(US Treasury)\uc5d0\uc11c \uac80\ud1a0 \ud6c4 \uc2e0\uccad\uc790\uac00 \uc9c0\uc815\ud55c \uc740\ud1f4 \uacc4\uc88c\ub85c \ub9e4\uce6d \uc9c0\uc6d0\uae08\uc744 \uc9c1\uc811 \uc1a1\uae08\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n\n

          5. \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/h3>\n\n

          Q1. \ub9e4\uce6d\ubc1b\uc740 \uc815\ubd80 \uc9c0\uc6d0\uae08\uc5d0\ub3c4 \uc138\uae08\uc774 \ubd80\uacfc\ub418\ub098\uc694?<\/strong>
          \nA. \uc9c0\uc6d0\uae08\uc774 \uacc4\uc88c\ub85c \uc785\uae08\ub418\ub294 \uc2dc\uc810\uc5d0\ub294 \uacfc\uc138\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc, \ud5a5\ud6c4 \uc740\ud1f4 \ud6c4 \ud574\ub2f9 \uacc4\uc88c\uc5d0\uc11c \uc778\ucd9c\ud560 \ub54c \uc77c\ubc18 \uc740\ud1f4 \uc790\uae08 \uc778\ucd9c \uaddc\uc815\uc5d0 \ub530\ub77c \uacfc\uc138\ub429\ub2c8\ub2e4.<\/p>\n\n

          Q2. 2026\ub144\uc5d0 \uc800\ucd95\ud55c \uae08\uc561\ub3c4 \ub9e4\uce6d\uc774 \ub418\ub098\uc694?<\/strong>
          \nA. \uc544\ub2d9\ub2c8\ub2e4. Saver’s Match\ub294 2027\ub144 1\uc6d4 1\uc77c \uc774\ud6c4\uc5d0 \uc774\ub8e8\uc5b4\uc9c4 \ub0a9\uc785\uae08\ubd80\ud130 \uc801\uc6a9\ub429\ub2c8\ub2e4. 2026\ub144 \ub0a9\uc785\ubd84\uae4c\uc9c0\ub294 \uae30\uc874\uc758 Saver’s Credit(\uc138\uc561\uacf5\uc81c) \uc81c\ub3c4\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n

          Q3. \uc870\uae30 \uc778\ucd9c \uc2dc \ubd88\uc774\uc775\uc774 \uc788\ub098\uc694?<\/strong>
          \nA. \ub124. \uc815\ubd80 \ub9e4\uce6d\uae08\uc740 \uc138\uc804 \uc790\uae08\uc73c\ub85c \ucde8\uae09\ub418\ubbc0\ub85c, \ub9cc 59\u00bd\uc138 \uc774\uc804\uc5d0 \uc778\ucd9c\ud560 \uacbd\uc6b0 \uc77c\ubc18 \uc18c\ub4dd\uc138\uc640 \ud568\uaed8 \uc6d0\uce59\uc801\uc73c\ub85c 10% \uc870\uae30 \uc778\ucd9c \ucd94\uac00\uc138\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub178\ud6c4 \uc790\uae08 \uc6a9\ub3c4\ub85c \uc720\uc9c0\ud558\uc2dc\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

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