Child Tax Credit (CTC) Calculator
Estimate the CTC and ordinary ACTC earned-income formula using modified AGI, earned income, and qualifying children. Schedule 8812 contains additional eligibility and limitation rules.
This is an educational estimate, not a complete Schedule 8812 calculation. Actual CTC/ACTC eligibility and amount also depend on qualifying-child requirements, taxpayer identification rules, federal tax liability, earned-income rules, and special Schedule 8812 provisions.
Estimated Total CTC: $4,400 USD
Base Credit (2 children): $4,400 USD
Estimated Refundable ACTC: $3,400 USD
Maximum ACTC cap: $3,400 USD
Income Phase-out Status: No income phase-out reduction.
Frequently Asked Questions
For 2026, the Child Tax Credit provides up to $2,200 per qualifying child under age 17. Up to $1,700 per qualifying child may be refundable through the Additional Child Tax Credit (ACTC), subject to the earned-income formula and other Schedule 8812 rules.
The credit begins to phase out at $200,000 of modified adjusted gross income for Single/Head of Household and other applicable non-joint filers, or $400,000 for Married Filing Jointly. The credit is reduced by $50 for each $1,000, or fraction of $1,000, by which modified AGI exceeds the applicable threshold.
Yes. A qualifying child generally must have a valid SSN issued before the due date of the return (including extensions) to claim the CTC/ACTC. On a joint return, only one spouse must have a valid SSN; the other spouse must have an SSN or an ITIN issued by the return due date.
Yes, if the dependent otherwise meets the ODC requirements. The ODC is a nonrefundable credit of up to $500 per qualifying dependent who is not eligible for the CTC. The dependent generally must be a U.S. citizen, U.S. national, or U.S. resident alien and have an SSN, ITIN, or ATIN as required by the IRS. The ODC is also subject to the $200,000/$400,000 modified-AGI phaseout.
A qualifying child generally must be under age 17 at the end of the tax year, meet the relationship and dependent rules, live with the taxpayer for more than half the year subject to exceptions, not provide more than half of their own support, and be a U.S. citizen, U.S. national or U.S. resident alien. Additional rules apply.
Live Expat FX Tool 0% Hidden Spread
International Money Transfer & FX Rates
Sending funds for tuition, rent, or immigration fees? Retail banks sneak 2.5%–4% into exchange rates. Check today's real mid-market rate first.
High-Street Banks:~3.5% Hidden Markup
Wise Mid-Market:Zero Markup (Google Rate)
⚡ Free live comparison • 50+ currencies supported