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Tax Credits
EITC, Child Tax Credit, education and retirement credits — see what you may be able to claim this filing season.
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Real federal tax credits, verified against IRS guidance
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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
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