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Notice code 246 (Default) — We didn’t allow part or all, of the amount claimed as retirement savings contribution credit. The cr…
What this IRS notice code means, and what to check before you reply.
What to do next
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246
Read the notice carefully and note any deadline. Gather returns, notices, and payment records. Book a free strategy session before responding if the amount is large, unclear, or collection language appears.
What the IRS language says
We didn’t allow part or all, of the amount claimed as retirement savings contribution credit. The credit is not allowed if you are not at least 18 years of age at the end of the Tax Year. The amount claimed on page 2 of your tax return was adjusted because: - our records indicated that you (and/or your spouse if filing joint) were under 18 years of age at the end of the tax year, and/or - we were unable to verify that you (and/or your spouse if filing joint) were at least 18 years of age at the end of the tax year.
What it usually means
246 is in our IR Manual catalog. Official wording is dense — we translate it for business owners and individuals and map realistic next steps.
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