At a glance
- For people who work and earn low to moderate income
- Worth more than $8,000 for families with three or more children
- Workers without children can qualify for a smaller credit, generally ages 25 to 64
- Fully refundable: you can get it even if you owe no tax
Who qualifies?
- You have earned income from a job or self-employment (including gig work like delivery or rideshare).
- Your income is under the IRS limit for your filing status and number of children.
- You, your spouse if filing jointly, and any children you claim have Social Security numbers valid for work.
- You were a U.S. citizen or resident alien all year.
- Your investment income (interest, dividends and similar) is under the yearly limit.
- You don't file as married filing separately, unless you meet special rules for separated spouses.
How much is it?
The amount depends on your income, filing status and number of qualifying children. It rises as you earn more, levels off, and then phases out. For returns filed in 2027, the maximum is more than $8,000 for three or more children. The IRS publishes the exact table each year.
Self-employed? Keep good records
Gig workers and small business owners can qualify, but the IRS reviews self-employment income closely on EITC returns. Keep your app statements, a mileage log and receipts. I'll make sure your income and expenses are reported correctly.
When will my refund arrive?
By law, refunds that include the EITC can't be released before mid-February. Most arrive by early March with direct deposit.
Want to be sure you get every credit?
Book a free 15-minute call. I'll check which credits fit your family before you file.
Schedule your free callOfficial IRS sources: IRS: Earned Income Tax Credit ↗ · IRS Publication 596 ↗
Updated for 2026 returns filed in 2027. General information only, not tax advice for your situation. Rules and amounts can change; your eligibility is confirmed when your return is prepared.
More guides: