Loading tax credits...
🧾 A Free Tool from USLoanFinder
🧾 Federal Tax Credit FinderFind Your
Find Your
Tax Credits
EITC, Child Tax Credit, education and retirement credits — see what you may be able to claim this filing season.
🆓 Completely Free🔒 No Sign-Up Required✅ Sourced from IRS.gov
$
USLoanFinder →Need a loan too? Compare 100+ US lenders by amount and credit score — no credit check to browse.
🏛️
USBenefitsFinder →Did you know? You may qualify for government benefits too — food, energy, housing help, and more.
📍 Does Your State Add Its Own EITC?
32 states plus DC stack their own credit on top of the federal EITC — see if yours does
Loading map…
🧾 All Federal Credits — Nationwide
These work the same no matter which state you live in — filter by category or use the checker above
How It Works
Three steps, no account required
1
📝
Set Your Income & Dependents
Slide to your income and tell us about dependents — no forms, no SSN required.
2
🔍
See Matches Instantly
We check your numbers against every federal credit in our database at once.
3
📄
Claim It on Your Return
Every result shows exactly which IRS form to use, with a direct link to IRS.gov.
Your Matches
6 credits based on your income
Estimates only for the 2026 tax year — exact eligibility depends on filing status and dependents. Always confirm on IRS.gov or with a tax professional.
Up to $2,200 per child
Check on IRS.gov ↗Child Tax Credit (CTC)
IRS · Refundable
A federal tax credit for parents and caregivers of children under 17, with up to $1,700 per child refundable even if you owe no federal tax.
Max CreditUp to $2,200 per qualifying child under 17
Income RangeFull credit up to $200,000 (single) or $400,000 (married filing jointly) MAGI
Up to $3,000 (2 or more dependents)
Check on IRS.gov ↗Child and Dependent Care Credit
IRS · Non-refundable
Helps offset the cost of child or dependent care paid so you could work or look for work — covers care for kids under 13 or dependents unable to self-care.
Max CreditUp to $1,500 (one dependent) or $3,000 (two or more), at the top 50% rate
Income RangeNo hard income cutoff — credit percentage (20-50%) drops as income rises
Up to $1,000 ($2,000 joint)
Check on IRS.gov ↗Saver's Credit (Retirement Savings Contributions Credit)
IRS · Non-refundable
A credit for contributing to an IRA or employer retirement plan, worth 10%, 20%, or 50% of your contribution depending on your income.
Max CreditUp to $1,000 (single) or $2,000 (married filing jointly)
Income RangeCredit percentage phases down as income rises — check current-year IRS thresholds
Up to $2,500/year, partly refundable
Check on IRS.gov ↗American Opportunity Tax Credit (AOTC)
IRS · Refundable
Helps offset tuition and related expenses for the first four years of college, with up to $1,000 refundable even if you owe no tax.
Max CreditUp to $2,500 per eligible student per year ($1,000 refundable)
Income RangeFull credit up to $80,000 (single) or $160,000 (married filing jointly) MAGI
Up to $17,670 per child, partly refundable
Check on IRS.gov ↗Adoption Tax Credit
IRS · Refundable
Offsets qualified expenses for adopting a child, including agency fees, legal costs, and travel — now partly refundable for the first time starting with the 2025 tax year.
Max CreditUp to $17,670 per child (up to $5,000 refundable per child under the 2025 "One Big Beautiful Bill")
Income RangePhase-out begins at $265,080 MAGI, fully phased out at $305,080
Up to $2,000 per return
Check on IRS.gov ↗Lifetime Learning Credit (LLC)
IRS · Non-refundable
A tax credit for tuition and fees at any stage of higher education — undergraduate, graduate, or professional courses to improve job skills — with no limit on the number of years claimed.
Max CreditUp to $2,000 per tax return (20% of up to $10,000 in qualified expenses)
Income RangePhases out between $80,000-$90,000 (single) or $160,000-$180,000 (married filing jointly) MAGI
Referenced IRS Forms
IRS Publication 596IRS Schedule 8812IRS Form 2441IRS Form 8880IRS Form 8863
Related Guides
More on federal and state tax credits, written from verified sources
Tax CreditsAugust 16, 2026
The Saver's Credit: The Retirement Tax Credit Almost Nobody Claims
Contribute to a retirement account and the IRS gives you a tax credit worth up to $1,000 — yet it is one of the most under-claimed credits that exists. Here is how it works.
Tax CreditsAugust 16, 2026
Child Tax Credit 2026: Why Both Parent and Child Now Need a Social Security Number
A 2025 law change tightened the Child Tax Credit's ID requirements — here is exactly what changed, who it affects, and how it differs from the EITC's rules.
Tax CreditsAugust 16, 2026
EITC Eligibility Requirements 2026: Do You Qualify for the Earned Income Tax Credit?
Income limits, investment income caps, and qualifying-child rules for the Earned Income Tax Credit, plus how much it is actually worth.
Frequently Asked Questions
Yes. Unlike SNAP or Medicaid, there is no separate application — you claim the EITC (and any other credit here) directly on your federal Form 1040. Many low earners skip filing because they assume they owe nothing and don't need to, but filing is exactly what unlocks the refund.
Looking for Something Else?
Check government benefits, search both at once, or head back to compare loans.