It's not too late for low- and moderate-income workers to earn a special tax credit this year as they save for retirement.

The saver's credit helps offset part of the first $2,000 workers voluntarily contribute to IRAs and to 401(k)s and other defined contribution plans at their workplace.

According to the Internal Revenue Service, eligible workers still have time to make qualifying retirement contributions and get the saver's credit on their 2013 tax return. Workers have until April 15, 2014, to set up a new IRA or add money to an existing one for 2013.

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