EITC Calculator (2025)
Estimate your Earned Income Tax Credit using 2025 IRS parameters. Refundable credit for low- and moderate-income workers.
Configure your scenario
Enter earned income, AGI, and number of qualifying children for an EITC estimate.
$25,000
$6,805
$7,152
Detailed estimate
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EITC — quick answers
Is the EITC refundable?+
Yes — if the credit exceeds the tax you owe, the IRS pays you the difference.
Do I need qualifying children?+
No, but the credit is much larger with children. Workers without children get a smaller credit (max $649 in 2025).
What's the investment income limit?+
For 2025, investment income must be $11,950 or less. This calculator does not check that — confirm via IRS guidance.
What counts as earned income?+
Wages, self-employment net earnings, and certain disability income. Investment, retirement, and unemployment income do not count.
Official references
Sources & Act Reference
Why this estimate
Rev. Proc. 2024-40 Table 4
2025 max credit $7,152; phaseout starts $23,350, completed $57,310.
Phaseout method
Credit phases out at a fixed rate above the greater of earned income or AGI, until fully eliminated at the completed amount.
Rule Trace
Applied rule and official references
Applied rule: EITC for 2 qualifying children, single / HoH filer.
Official quick links
Compliance checklist
Verify valid SSN, US residency, filing status, and investment-income limit before claiming.
Smart Insight
EITC is one of the largest federal refunds for working families — file even if you owe no tax.
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