Saving for retirement is within reach

Take the first step in your retirement savings journey

Start saving today for a secure financial future

How Does OregonSaves Work?

Discover the benefits of OregonSaves

OregonSaves was created to ensure that all Oregonians have access to a workplace retirement program by providing a simple, portable, low-cost way for workers to invest in their futures. With OregonSaves, you’re in control.

  • It’s easy to save. You contribute automatically through your paycheck to a Roth Individual Retirement Account (IRA).

  • It’s voluntary. You can opt out or back into the program at any time.

  • It’s customizable. You can stick with the standard savings options and investments, or you can choose your own.

  • It’s portable. You keep your account even if you change jobs.

  • It’s smart. Your savings rate will automatically increase by 1 percent each year until it reaches 10 percent, unless you choose otherwise.

Learn more

Not ready to save?

You may want more time before you start saving for retirement, and that’s okay. If you’ve been enrolled automatically, you’re still able to opt out of OregonSaves. When the time is right, we’ll be here for you when you’re ready to rejoin the program.

Image of savings growing

See how it grows

With OregonSaves, your monthly investment could potentially grow into big savings over time. Use our retirement calculator to see what your financial future could look like.

Use the retirement calculator

If you’re 25 now and save $150 a month, by the time you retire you could have over $300,000.1

two people hiking in Oregon

1. Hypothetical example is based on a monthly contribution of $150 for 40 years, at a 6% projected annual rate of return, compounded daily. Note this is just an example based on a retirement age of 65, your actual savings may be more or less.