Most employers with 10+ workers would have to contribute to a retirement plan for every employee, starting at $0.50 per hour. Workers get portable accounts that follow them from job to job, plus a penalty-free emergency savings option. New tax credits help small businesses and individual savers cover costs, funded by higher top income and corporate tax rates.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Saving for the Future Act is a House bill in committee. The latest recorded action: Referred to the Committee on Ways and Means, and in addition to the Committee on Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Latest action on H.R. 5887: Referred to the Committee on Ways and Means, and in addition to the Committee on Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Who this affects: This bill touches nearly every worker and employer in the country. Workers without a current retirement plan stand to gain the most, as their employers would be required to start contributing. Small business owners face new obligations and costs but also get new tax credits to offset them. Higher earners and corporations would pay more in taxes to fund the system. Self-employed and unemployed individuals who save on their own could claim a new personal tax credit.
Why this matters: Millions of American workers have no retirement savings plan through their job. This bill aims to close that gap by requiring employer contributions and making accounts portable so savings follow people from job to job. The emergency savings feature addresses a common problem where people raid retirement funds to cover unexpected costs. However, the mandate adds real costs for employers, and the tax increases needed to fund it affect higher earners and businesses. How the new federal board manages trillions of dollars in assets and sets withdrawal rules will shape whether the program works as intended.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
Officially: Saving for the Future Act
Most employers with 10+ workers would have to contribute to a retirement plan for every employee, starting at $0.50 per hour. Workers get portable accounts that follow them from job to job, plus a penalty-free emergency savings option. New tax credits help small businesses and individual savers cover costs, funded by higher top income and corporate tax rates.
Use this page to support, oppose, or ask Congress to amend HR5887. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Ways and Means
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
The debate
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the Committee on Ways and Means, and in addition to the Committee on Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. (10/31/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Saving for the Future Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR5887, your stance, and the reasons you choose, then lets you edit and send when ready.
