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CP321J notice: what it means and what to do
Got an IRS CP321J notice? Here is what it means, your deadline, what to check before you answer, and how to reply. Check your own letter free: it stays on your phone.
Check my CP321J notice freeWhat the IRS says this notice is about
The notice informs taxpayers about their potential eligibility for the Saver’s Match, a new Federal government matching contribution of up to 50% of what they contribute to their retirement account for each tax year. The notice was issued to taxpayers who claimed the Saver’s Credit on their 2025 tax return or whose 2025 income was otherwise in the range of Saver’s Match eligibility.
Starting in 2027, the Saver’s Match replaces the Saver’s Credit for contributions made to retirement plans or IRAs. You could get up to $1,000 each year added directly to your retirement account.
You may qualify if you:
- Have earned income that meets certain limits
- Contribute to a retirement plan or IRA for the tax year
- Are not claimed as a dependent on another person’s return
- Are age 18 by the end of the tax year
- Meet additional Saver’s Match eligibility requirements
Your deadline
Answer by the date printed on your notice. If there is no date, answer as soon as you can, and call the number on the notice if you need more time.
What to check before you answer
Is this letter really from the IRS?
The IRS writes first by mail. A real letter shows a notice or letter number, your name and part of your tax ID number. The IRS does not ask for payment by gift card, crypto or wire transfer. If in doubt, sign in to your IRS online account, where many notices are listed.
You may want to
- Start or continue making contributions to your existing retirement plan or IRA.
- If you don’t have a retirement plan or IRA, open a new IRA. It is easy to find and open a high-quality, low-cost IRA at TrumpIRA.gov .
Helpful information
Individual retirement accounts can be important tools in retirement planning
Benefits of setting up a retirement plan
Get my response letter for CP321J notice