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For lower- and moderate-income workers who contribute to retirement savings , the new federal Saver's Match — scheduled to start with the 2027 tax year — could be a much-welcomed addition to their nest egg . Yet many current savers may first need a different account to get the money.

Authorized by the 2022 Secure 2.0 retirement legislation, the Saver's Match program will provide income-eligible retirement savers with a matching annual contribution worth up to $1,000 for single tax filers and $2,000 for joint filers. They can receive that benefit whether they save through a workplace plan like a 401(k) or an individual retirement account .

The catch: Although contributions to an IRA may qualify workers for the match, any money the worker is entitled to can only go into a traditional IRA — not a Roth IRA .…