EITC and Child Tax Credit — What They Are and Who Qualifies
The Earned Income Tax Credit (EITC) is a refundable federal tax credit for low-to-moderate income workers. Even if you owe no taxes, you receive the credit as a cash refund. For 2026, the maximum credit ranges from $632 (no children) to $7,830 (3+ children).
The Child Tax Credit provides up to $2,000 per qualifying child under 17, with up to $1,700 refundable. VITA sites offer free professional tax preparation to help you claim everything you're owed.
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2026 EITC — Credit Amounts by Income and Children
2026 EITC — Credit Amounts by Income and Children
Effective for 2026 tax year (filed in 2027)
| Children | Max Credit | Income Limit (Single) | Income Limit (Married) |
|---|---|---|---|
| No children | $632 | $18,591 | $25,511 |
| 1 child | $4,213 | $49,084 | $56,004 |
| 2 children | $6,960 | $55,768 | $62,688 |
| 3+ children | $7,830 | $59,899 | $66,819 |
Investment income limit is $11,600 for 2026. You must have earned income from work. Self-employment counts.
How to Claim the EITC and CTC
1
File a Tax Return
You must file a federal return to claim these credits — even if you owe nothing and aren't required to file.
How to Claim the EITC →
2
Use Free VITA Tax Preparation
VITA offers free professional tax prep for households earning under $67,000.
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3
Claim Missed Credits for Prior Years
You can file amended returns for up to 3 prior years to claim missed EITC.
4
Receive Your Refund
EITC and CTC refunds are typically issued by late February when filed in January.
Not Sure What You Qualify For?
Take the free Benefits Match Quiz — see EITC, SNAP, Medicaid, and different programs your household may qualify for.
All Tax Credits — EITC / CTC Articles
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EITC
Earned Income Tax Credit 2026 — Complete Eligibility Guide
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CTC
Child Tax Credit Eligibility 2026 — Who Qualifies and How Much
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Claim
How to Claim the EITC — Step-by-Step Filing Guide
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By Size
EITC by Income and Family Size 2026 — Full Table
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VITA
Free Tax Filing Options — VITA and Other Programs
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