Status of State ‘Auto-IRA’ Savings Programs
Collected resources show progress and benefits
In 2017, Oregon introduced the first automated savings program, also known as an “auto-IRA”—a program designed to allow workers whose employers do not offer retirement benefits to automatically set aside money in retirement accounts. By the end of 2025, 14 states had active auto-IRA programs, and more than 1 million workers had saved upward of $2.5 billion. Three other states had passed enabling legislation and were in the process of implementing programs.
This page displays a map showing each state’s progress in creating a savings program, as well as additional resources that discuss the benefits these programs could provide. This map will be regularly updated. See the list below for additional resources and related content.
The Pew Charitable Trusts’ retirement savings project provides data, analysis, and technical assistance to help states design automated savings programs to fit the needs of employers, workers, and taxpayers.
State Specific Resources
Alabama
Alaska
California
How to Turn a Retirement Plan Law for Private Sector Workers Into Reality
The Future of Retirement Savings in California: Implementing Secure Choice
How to Increase Access to Retirement Savings: California’s New Requirements
How to Make Secure Choice Retirement Plan Work
California Becomes Eighth State to Create Retirement Initiative for Nongovernment Workers
Colorado
Connecticut
View "Additional Resources" at the bottom of this list for nationally-focused articles.
Delaware
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Hawaii
Idaho
View "Additional Resources" at the bottom of this list for nationally-focused articles.
Illinois
https://www.ilsecurechoice.com/
Illinois Secure Choice Retirement Program Participants See Improved Credit Scores
Why Workers Opt Out of Illinois ‘Secure Choice’ Automated Retirement Savings Program
Demographic Overview of Illinois Secure Choice Program Population
Many in Illinois Retirement Savings Program Feel Their Financial Security Is Improving
Iowa
Kansas
Maine
View "Additional Resources" at the bottom of this list for nationally-focused articles.
Maryland
https://www.marylandsaves.org/
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Massachusetts
Michigan
Minnesota
Mississippi
Montana
Nevada
https://www.nevadatreasurer.gov/NEST/
View "Additional Resources" at the bottom of this list for nationally-focused articles.
New Hampshire
New Jersey
https://www.nj.gov/treasury/securechoiceprogram/
View "Additional Resources" at the bottom of this list for nationally-focused articles.
New Mexico
View "Additional Resources" at the bottom of this list for nationally-focused articles.
New York
https://newyorksecurechoice.com/
View "Additional Resources" at the bottom of this list for nationally-focused articles.
North Carolina
North Dakota
Oregon
Is the OregonSaves Retirement Program Expensive for Employers?
OregonSaves Auto-IRA Program Elicits Few Questions from Employees
Oregon State Retirement Program Growing During Pandemic—Despite Some Worker Withdrawals
Employers Express Satisfaction With New Oregon Retirement Savings Program
Early Participation Levels for Oregon Retirement Savings Program Indicate Promising Start
Pennsylvania
Small Businesses in Pennsylvania Support State-Facilitated Retirement Savings Program
Pennsylvania’s Keystone Saves Program Would Reduce Taxpayer Burden
Pennsylvania’s Looming $17.8 Billion Fiscal Shortfall
Pennsylvania Has a Retirement Crisis, and Doing Nothing Will Cost Taxpayers $1 Billion Every Year
In Pennsylvania, New Retirement Savings Plan Would Help Wide Range of Workers
Retirement Savings Legislation Can Help Pennsylvania Tackle $15.7B Taxpayer Burden
Many Pennsylvania Businesses Support State-Facilitated No-Cost Retirement Savings Program
State-Facilitated Retirement Savings Programs Are a Necessary Lifeline for Private Sector Workers
Pew and Allies Urge Pennsylvania Lawmakers to Support Keystone Saves Bill
Pennsylvania and Hawaii Consider Auto-IRA Saving Opportunities for Private Sector Workers
Pew Endorses New Retirement Savings Bill That Would Help Pennsylvanians Secure Their Future
Keystone Saves Would Increase Retirement Security in Pennsylvania
Pennsylvania Taxpayers Face Burdens of Insufficient Private Sector Retirement Savings
Retirement Savings Gaps May Increase Burden on Pennsylvania Taxpayers
A Pew Discussion: The Effect of Insufficient Retirement Savings
Rhode Island
South Carolina
South Dakota
Vermont
https://www.vtsaves.vermont.gov/
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Virginia
Washington
Washington DC
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