Child Tax Credit Calculator 2026: $2,200 per Child

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Formula at a glance

Child Tax Credit Calculator: Credit — $2,200 × children + $500 × other dependents − $50 per $1,000 over the threshold. Example: Married, 2 children, $90,000 → Child tax credit you get: $4,400 — How the Child Tax Credit Calculator works: Credit — $2,200 × children + $500 × other dependents − $50 per $1,000 over the threshold

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📘 About the US Child Tax Credit Calculator 2026

For 2026 the child tax credit is $2,200 for each child under 17 with a Social Security number, and from 2025 at least one parent also needs an SSN. Up to $1,700 per child is refundable as the additional child tax credit, worked out as 15% of earned income over $2,500.

Other dependents, such as children aged 17 or 18 or a parent you support, give a $500 credit. The credit falls by $50 for every $1,000 of income over $200,000, or $400,000 for married couples filing jointly.

🧮 Formula

Credit

$2,200 × children + $500 × other dependents − $50 per $1,000 over the threshold

Refundable part

min($1,700 × children, 15% × (earned income − $2,500))

✏️ Worked examples

Married, 2 children, $90,000

You enter
Filing status	Married filing jointly
Children under 17 with an SSN	2
Other dependents (17+, relatives)	0
Adjusted gross income	90,000 $
Earned income (wages + self-employment)	90,000 $

You get
Child tax credit you get	$4,400
Reduces your tax by	$4,400
Refundable part (ACTC)	$0
Maximum before limits	$4,400
Phase-out reduction	$0

$4,400.

Single parent, 1 child, $22,000

You enter
Filing status	Head of household
Children under 17 with an SSN	1
Other dependents (17+, relatives)	0
Adjusted gross income	22,000 $
Earned income (wages + self-employment)	22,000 $

You get
Child tax credit you get	$1,700
Reduces your tax by	$0
Refundable part (ACTC)	$1,700
Maximum before limits	$2,200
Phase-out reduction	$0
Credit you cannot use	$500 (tax too low and refundable part limited to 15% of earnings over $2,500)

$1,700.

🧭 How to use this calculator

What you enter

Filing status
Children under 17 with an SSN
Other dependents (17+, relatives)
Adjusted gross income ($)
Earned income (wages + self-employment) ($)

What you get

Child tax credit you get
Reduces your tax by
Refundable part (ACTC)
Maximum before limits
Phase-out reduction

❓ Frequently asked questions

How much is the child tax credit for 2026?

$2,200 per qualifying child under 17, with up to $1,700 of it refundable.

At what income does the child tax credit phase out?

$200,000 of modified AGI for single and head of household filers, $400,000 for married filing jointly. It falls $50 per $1,000 above that.

Can I get the child tax credit with no income?

No. The refundable part needs earned income above $2,500, and the rest only reduces tax you owe.

Does my child need a Social Security number?

Yes, a valid SSN issued before the return's due date. From 2025, the parent claiming (or one spouse on a joint return) also needs one.

👨‍👩‍👧 US Child Tax Credit Calculator 2026 ($2,200)