On April 30, 2026, an executive order directed Treasury to establish TrumpIRA.gov, a federally run website designed to help workers without employer-sponsored retirement plans find and enroll in low-cost, private‑sector Individual Retirement Accounts (IRAs).
The order does not create a new government retirement plan. Instead, it establishes a centralized platform to connect Americans with private-sector IRA providers.
The site, scheduled to be operational by January 1, 2027, targets groups such as independent contractors, part-time workers, and employees of small businesses. It is intended to function as an informational marketplace rather than a government-run plan.
TrumpIRA.gov will allow users to filter and compare IRAs based on cost, quality, and investment features. Listed IRAs must meet specific standards, including no minimum contribution or balance requirements and net expense ratios capped at 0.15%.
A key feature is its linkage to the existing Saver’s Match program. Created under the SECURE 2.0 Act of 2022, the Saver’s Match is scheduled to take effect in 2027. Eligible individuals who contribute to a retirement account, such as a traditional IRA, Roth IRA, or employer-sponsored plan, may receive a federal matching contribution.
Eligibility is income-based, with full or partial benefits phasing out as income rises (approximately $35,500 for single filers and $71,000 for joint filers, subject to adjustment).
The federal government matches 50% of contributions, up to a maximum of $1,000 per person per year (and up to $2,000 for couples). Importantly, the match is deposited directly into the taxpayer’s retirement account, providing a benefit even for individuals with little or no income tax liability.
CPA ACTION: CPAs can help clients move from awareness to action by identifying who lacks retirement plan access, quantifying the tax benefits and Saver’s Match, and integrating IRA decisions into broader tax planning. Beyond selecting appropriate low-cost options, they guide implementation and follow-through while helping business owners evaluate when more advanced plans make sense. This turns a simple access tool into a catalyst for ongoing, tax-integrated financial planning.