Do You Qualify for EITC? (Check Your Eligibility)

The Earned Income Tax Credit (EITC) is the government’s biggest check for working families. For 2026, it can be worth up to $7,830. But one wrong checkbox can disqualify you.

BMT Tax Research Team BMT Tax Research Team · 📅 Jan 2026 · ⏱️ 5 min read · TAX-TIPS › FAMILY
Max Credit
$7,830
3+ KidsTarget
No Kids?
$632
Small CreditEligible
Invest Limit
$11,600
Max Passive IncRule

2026 Income Limits & Max Credits

To qualify, your Adjusted Gross Income (AGI) must be below these thresholds.

Children Max Credit Income Limit (Married)
Zero $632 ~$25,500
1 Child $4,213 ~$56,000
2 Children $6,960 ~$62,000
3+ Children $7,830 ~$66,800
What is a “Qualifying Child”?
Must be under age 19 (or 24 if student), related to you, and lived with you for more than 6 months of the year.
Credit Value by Family Size
3+ Children $7,830
Maximum benefit tier.
1 Child $4,213
Still a significant refund.
No Children $632
Very small credit.
StatusRequirement
FilingCannot be MFS*
Age25-65 (if no kids)

3 Rules That Disqualify You

Even if your income is low, you will be rejected if you violate these rules.

Rule 1: Investment Income Limit

If you have too much “passive income” (stocks, dividends, rental income), you are disqualified. For 2026, this limit is approximately $11,600.

Rule 2: Social Security Numbers

Everyone listed on the return (You, Spouse, and Qualifying Children) must have a valid SSN by the tax deadline. ITIN holders generally do not qualify for EITC.

Rule 3: Filing Status

You generally cannot claim EITC if you file as “Married Filing Separately” (MFS). (Exception: Unless you are separated and live with your child for over half the year).

Action Plan: How to Get the Money

The EITC is not automatic. You must explicitly ask for it.

  • Step 1: File Form 1040 (even if you owe no tax).
  • Step 2: Attach Schedule EIC if you are claiming children.
  • Step 3: Expect a delay. By law (PATH Act), the IRS holds EITC refunds until mid-February.

Audit Warning

The EITC has a high error rate. Keep records proving your child lived with you (school records, doctor bills) in case the IRS asks for proof.

Frequently Asked Questions

What if my child turned 19?
They no longer qualify unless they are a full-time student (under 24) or permanently disabled (any age).
Does unemployment count as “Earned Income”?
No. Unemployment benefits are taxable, but they do NOT count towards the “Earned Income” required to qualify for EITC. You must have job or business income.