Can I get money back for contributing to a retirement plan?

The retirement savings credit is available from 2002 through 2006 to low-to-moderate-income taxpayers. If you qualify, you may receive a credit of 10%, 20%, or 50% of your contribution to a traditional or Roth IRA, 401(k), 403(b), governmental 457, SIMPLE, or SEP plan, depending on your income level.

You cannot take this credit if you are claimed as a dependent on someone else's return, if you are under age 18, or if you are a full-time student.