Child Tax Credit 2026: How Much You Get + Refund Rules

The Child Tax Credit (CTC) is one of the most valuable tax breaks for US families — worth up to $2,000 per qualifying child in 2026. Here's how it works and how to claim every dollar you're owed.

How Much Is the Child Tax Credit in 2026?

• $2,000 per qualifying child under age 17
• $500 credit for other dependents (age 17+)
• Up to $1,700 refundable per child (Additional Child Tax Credit)

That means even if you owe $0 in taxes, you could receive a $1,700 refund per child.

Who Qualifies for the Child Tax Credit?

Your child must:

• Be under 17 at the end of 2025
• Be a US citizen, US national, or resident alien
• Have a valid SSN
• Live with you for more than 6 months
• Not provide more than half of their own support

Child Tax Credit Income Limits (2026)

The credit phases out at higher incomes:

Filing Status	Phase-Out Starts	Fully Phased Out
Single	$200,000	$240,000
Married Filing Jointly	$400,000	$440,000
Head of Household	$200,000	$240,000

For every $1,000 over the limit, the credit reduces by $50.

How to Claim the Child Tax Credit

1. File Form 1040
2. Attach Schedule 8812 (Credits for Qualifying Children)
3. List each child's name, SSN, and relationship
4. Submit by April 15, 2026

Use our tax refund calculator to see your total refund including the CTC.

Child Tax Credit vs. Credit for Other Dependents

If your child is 17 or older, or doesn't meet CTC rules, you may claim the $500 Credit for Other Dependents instead. It's not refundable, but reduces your tax bill.

Frequently Asked Questions

How much is the Child Tax Credit in 2026?

Up to $2,000 per qualifying child under 17, with up to $1,700 refundable.

Do I get the Child Tax Credit monthly?

No. The monthly payments ended in 2021. In 2026 it's claimed as a lump sum on your tax return.

What is the income limit for the Child Tax Credit?

Phase-out begins at $200,000 (single) or $400,000 (married filing jointly).

Can I get the Child Tax Credit if I don't owe taxes?

Yes — up to $1,700 per child is refundable through the Additional Child Tax Credit.