EITC Calculator 2026: Earned Income Tax Credit

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Formula at a glance

EITC Calculator: EITC — min(earned × phase-in rate, max) − phase-out rate × (income − phase-out start). Example: Single parent, 2 children, $25,000 → Earned income tax credit: $7,082 — How the EITC Calculator works: EITC — min(earned × phase-in rate, max) − phase-out rate × (income − phase-out start)

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📘 About the EITC Calculator

The EITC rises with each dollar you earn up to a maximum, stays flat for a while, then falls as income grows. For 2026 the maximum is $664 with no qualifying children, $4,427 with one, $7,316 with two and $8,231 with three or more.

It is fully refundable, so you get it even if you owe no tax. Investment income must be $12,200 or less. Workers without children must be 25 to 64. Married people filing separately usually cannot claim it.

🧮 Formula

EITC

min(earned × phase-in rate, max) − phase-out rate × (income − phase-out start)

✏️ Worked examples

Single parent, 2 children, $25,000

You enter
Filing status	Head of household
Qualifying children	2
Earned income	25,000 $
Adjusted gross income	25,000 $
Investment income	0 $

You get
Earned income tax credit	$7,082
Maximum for 2 children	$7,316
Starts to fall when income passes	$23,890

$7,082.

No children, $12,000

You enter
Filing status	Single
Qualifying children	0
Earned income	12,000 $
Adjusted gross income	12,000 $
Investment income	0 $

You get
Earned income tax credit	$577
Maximum for 0 children	$664
Starts to fall when income passes	$10,860
Age rule (no children)	You must be 25 to 64

$577.

🧭 How to use this calculator

What you enter

Filing status
Qualifying children
Earned income ($)
Adjusted gross income ($)
Investment income ($)

What you get

Earned income tax credit
Maximum for 1 child
Starts to fall when income passes

❓ Frequently asked questions

What is the maximum EITC for 2026?

$664 with no children, $4,427 with one child, $7,316 with two and $8,231 with three or more.

What are the 2026 EITC income limits?

For single or head of household filers the credit ends at $19,540 (no children), $51,593 (one), $58,629 (two) and $62,974 (three+). Married filing jointly limits are about $7,000 higher.

When will I get my EITC refund?

By law the IRS cannot send EITC refunds before mid-February; most arrive by early March if you file online with direct deposit.

Does my state have an EITC too?

About 30 states and DC add their own EITC, usually a percentage of the federal credit.

💰 Earned Income Tax Credit (EITC) Calculator 2026