Child Tax Credit Calculator

Your details

Select the tax year you are filing for. The 2025 law raised the maximum credit from $2,000 to $2,200 per child and made it permanent; Rev. Proc. 2025-32 holds the 2026 amount at $2,200.
Married Filing Jointly has a $400,000 phase-out threshold; all other statuses use $200,000.
Count only children who are under 17 at year-end, lived with you more than half the year, and have a valid Social Security number.
children
Dependents who do not qualify for the CTC (age 17+, or no valid SSN) may still earn a $500 non-refundable Credit for Other Dependents.
dependents
Wages, salaries, self-employment income, and tips. Used to calculate the refundable ACTC portion. Must exceed $2,500 to receive any ACTC.
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Your MAGI determines whether the phase-out applies. For most filers, MAGI equals Adjusted Gross Income from Form 1040.
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Your tax bill before applying credits. The non-refundable portion of the CTC can only reduce your liability to zero; the remainder (ACTC) may be refunded.
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Child Tax CreditNon-refundable only
$4,400

Child Tax Credit for qualifying children after the income phase-out (Schedule 8812 line 12, children portion)

Non-refundable portion$4,400
Refundable portion (ACTC)$0
Credit for Other Dependents$0
Phase-out reduction$0
Credit before phase-out$4,400
Total family tax benefit$4,400
Credit after phase-out$4,400
Child Tax Credit$4,400
Other Dependent Credit$0
Non-refundable$4,400
Refundable (ACTC)$0

Your Child Tax Credit is $4,400 for tax year 2026.

  • You qualify for $4,400 in Child Tax Credit.
  • $4,400 reduces your federal tax bill directly (non-refundable portion).

Next stepComplete Schedule 8812 with your Form 1040 to claim the CTC and ACTC. Keep records showing each child lived with you for more than half the year and has a valid Social Security number.

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