Financial
Earned Income Tax Credit: The Refund Many Working Families Miss
The Earned Income Tax Credit (EITC) is one of the most valuable tax benefits available to low- and moderate-income workers, yet the IRS estimates that roughly 20% of eligible taxpayers don’t claim it — leaving billions of dollars unclaimed every year.
You may qualify for the EITC if you have earned income from employment or self-employment, and your income falls below the threshold for your filing status and number of children. For 2025 taxes filed in 2026, the maximum credit is over $7,800 for a family with three or more qualifying children.
Income limits vary based on filing status and qualifying children. Workers without children can also receive a smaller credit. You must have a valid Social Security number and meet certain residency requirements. Investment income cannot exceed $11,600.
File a federal tax return (even if you don’t owe taxes) and complete Schedule EIC if you have qualifying children. Free tax filing assistance is available through the IRS Free File program and VITA (Volunteer Income Tax Assistance) sites nationwide.
Many states offer their own Earned Income Tax Credit on top of the federal credit. If your state has a state EITC, you may receive an additional refund when you file your state return.
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