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.
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 |
| Status | Requirement |
|---|---|
| Filing | Cannot be MFS* |
| Age | 25-65 (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.