EITC Calculator (2026)
The Earned Income Tax Credit can be worth up to $8,231 in 2026 — and it is refundable, meaning you get it even if you owe no tax. See your estimate.
How to use this calculator
- Enter earned income (wages, self-employment).
- Enter qualifying children.
- Enter filing status.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
The credit phases in as your earnings rise to a maximum, then phases out above a threshold. 2026 maximums: $664 (no children), $4,427 (1 child), $7,316 (2 children), $8,231 (3+). Worked example: $25,000 of earned income with one child — you are past the $23,890 phase-out start, so the credit is reduced from $4,427 down to about $4,250.
Frequently asked questions
Who qualifies for the EITC?
You must have earned income (wages or self-employment), a valid Social Security number, and investment income below the annual limit; you cannot file as married filing separately. With children, they must meet relationship, age, and residency tests and be claimed on your return. The credit phases out completely by roughly $51,593 (1 child, single) to $70,224 (3+ children, joint) in 2026.
Is the EITC really refundable?
Yes — that is its defining feature. If the credit exceeds your tax liability, you receive the difference as a refund. That is why it is the largest anti-poverty program in the US tax code and why qualifying families should always claim it even if they expect no tax bill.
Does self-employment income count?
Yes — net self-employment earnings count as earned income for the EITC, which makes gig and freelance workers eligible. Use your net profit after expenses, and the credit is computed on the same earnings.
What is the investment income limit?
Your investment income (interest, dividends, capital gains, and similar) must stay under the annual limit set by the IRS — well below $15,000 in recent years. Above it, you are disqualified from the credit entirely, not just reduced.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.