As tax season approaches, low to middle-income workers should explore the Saver's Credit, a little-known tax credit from the Internal Revenue Service that could make saving for retirement more affordable, according to the Transamerica Center for Retirement Studies.

"The Saver's Credit is particularly great because it offers many workers an added incentive to save for their future retirement, while potentially lowering their tax bill today," said Catherine Collinson, president of the Transamerica Center for Retirement Studies.

Individuals qualify for the Saver's Credit if they earned up to $28,250 in 2011 or $28,750 in 2012. Heads of household are eligible if they earned up to $42,375 in 2011 or $43,125 in 2012. For those married and filing jointly, the income limit is $56,500 in 2011 and $57,500 in 2012. All income requirements are based on adjusted gross income.

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