💵 Salary & Tax
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See your exact take-home pay after federal taxes, Social Security, and Medicare — updated for 2026 tax brackets.
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Child Tax Credit Calculator
Estimate your Child Tax Credit — including the refundable Additional Child Tax Credit (ACTC) — based on your income and qualifying children.
⚖️ Updated for the One Big Beautiful Bill Act (signed July 4, 2025) — $2,200/child for 2025 & 2026 tax years
Filing Information
$
Usually the same as your AGI from Form 1040
$
Wages, salary, self-employment — needed for refundable ACTC
$
Determines non-refundable vs refundable split
Your Children
Enter each child’s age. Qualifying children must be under 17 at end of the tax year. Ages 17–18 may qualify for the Other Dependent Credit ($500).
Estimated Child Tax Credit
Non-Refundable CTC
Refundable ACTC
Other Dependent
Qualifying Children
under age 17 in tax year
Max Potential Credit
Phase-Out Reduction
Refundable ACTC
up to $1,700/child even with no tax owed
Credit Breakdown & Phase-Out
Income vs. Phase-Out Threshold
$0
| Component | Children | Per Child | Amount |
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How the Child Tax Credit Works (2025 & 2026)
The One Big Beautiful Bill Act (signed July 4, 2025) permanently increased the Child Tax Credit and made key changes. Here’s what applies for your 2025 and 2026 returns:
- $2,200 per qualifying child under age 17 at end of the tax year (up from $2,000 under prior law). This amount is now indexed to inflation beginning with the 2027 tax year.
- Phase-out begins at $200,000 MAGI for single filers and $400,000 for married filing jointly. The credit reduces by $50 for every $1,000 (or fraction thereof) above the threshold.
- Refundable ACTC: Up to $1,700 per child is refundable — you can receive this as a refund even if you owe no taxes. You must have earned income above $2,500; the refundable amount equals 15% of earned income over $2,500.
- SSN requirement: Both the taxpayer (and spouse if MFJ) and the qualifying child must have a valid Social Security Number — a new requirement under OBBBA affecting some mixed-status families.
- Other Dependent Credit: $500 non-refundable credit for qualifying dependents who are 17–18 or other qualifying relatives.
This calculator is for estimation purposes only. Consult a tax professional or use IRS Free File for your official return.