Estimate your 2026 EITC. Enter your filing status, qualifying children, earned income, and AGI — the calculator applies the IRS Rev. Proc. 2025-32 parameters and the $12,200 investment-income cap.
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Estimated 2026 EITC
$0
Enter your earned income to estimate your credit.
Maximum credit for your family size—
Phase-out begins (your status)—
Income used for phase-out—
2026 EITC at a glance
Children
Max credit
Max AGI — Single/HoH
Max AGI — MFJ
None
$664
$19,540
$26,820
One
$4,427
$51,593
$58,863
Two
$7,316
$58,629
$65,899
Three or more
$8,231
$62,974
$70,224
The credit phases in as a percentage of earned income (7.65% with no children, 34% for one, 40% for two, 45% for three or more), plateaus at the maximum, then phases out once the greater of your earned income or AGI passes the threshold for your filing status. You also need a valid SSN, U.S. citizen/resident status, and investment income of $12,200 or less. For the full rules, see our 2026 EITC guide.
Questions
How is the 2026 EITC calculated?
The credit phases in at a fixed percentage of earned income (7.65%–45% by family size), reaches a maximum, then phases out as the greater of earned income or AGI rises past the threshold for your status. This tool applies the 2026 figures from Rev. Proc. 2025-32.
Does investment income affect the EITC?
Yes — investment income over $12,200 in 2026 disqualifies you entirely, regardless of earned income. The calculator applies that cap.
Is this calculator exact?
It's a close estimate. The IRS computes the official figure from $50-band lookup tables, so a formula result can differ by a dollar or two. Use Schedule EIC for the filed amount.
Estimate only, based on IRS Revenue Procedure 2025-32 and IRC §32. Not tax advice and not affiliated with the IRS. Confirm the filed amount using IRS Schedule EIC and the official EITC tables.