If you’re working hard but earning a modest income, the Earned Income Tax Credit (EITC) could put real money back in your pocket. For the 2024 tax year, filed in 2025, the maximum EITC has climbed to $7,830. This refundable credit means you can receive money even if you owe nothing in taxes. But there’s a catch — you need to qualify, file accurately, and meet the income limits to receive your refund. Let’s break it all down so you don’t leave money on the table.
Overview
The EITC is designed to support low- to moderate-income workers and families, especially those with children. For many, it can mean the difference between getting by and getting ahead. Whether you’re working part-time, self-employed, or juggling multiple jobs, the EITC is a valuable credit you don’t want to miss.
For 2024 taxes (filed in 2025), the maximum credit is $7,830 for filers with three or more qualifying children. Refunds for those who file in April usually start rolling out in early May. Knowing the key dates, income limits, and steps to file can help you get your full refund faster.
Limits
Here’s a quick look at the 2024 EITC income thresholds and maximum credits:
| Qualifying Children | Max AGI (Single/HOH) | Max AGI (Married Filing Jointly) | Max EITC |
|---|---|---|---|
| 0 | $18,591 | $25,511 | $632 |
| 1 | $49,084 | $56,004 | $4,213 |
| 2 | $55,768 | $62,688 | $6,960 |
| 3 or more | $59,899 | $66,819 | $7,830 |
You must also have investment income of $11,600 or less to qualify.
Eligibility
To claim the EITC in 2025, you must meet these criteria:
- Have earned income from wages, self-employment, or disability payments
- Be a U.S. citizen or resident alien all year
- Not file as married filing separately (with few exceptions)
- Have a valid Social Security number
- Not be claimed as a dependent by someone else
If you’re claiming children, each one must:
- Be your child, stepchild, foster child, sibling, or their descendant
- Be under 19 (or under 24 if a full-time student), or any age if disabled
- Live with you in the U.S. for more than half the year
- Not file a joint return unless claiming a refund
Timeline
Because of anti-fraud rules, the IRS holds refunds for EITC and ACTC claimants until mid-February. If you file in April 2025, here’s what the refund schedule could look like:
| Filing Date | Direct Deposit Expected | Paper Check Expected |
|---|---|---|
| By April 21 | May 2 | May 9 |
| By April 28 | May 9 | May 16 |
| By May 5 | May 16 | May 23 |
| By May 12 | May 23 | May 30 |
| By May 19 | May 30 | June 6 |
Delays may occur if there are filing errors or additional processing is needed.
Steps
Want that refund? Here’s a simple step-by-step guide to get it:
Step 1
You’ll need W-2s, 1099s, Social Security numbers, and proof for qualifying children like school or medical records.
Step 2
This online tool can confirm whether you qualify before you file.
Step 3
Use Form 1040 or 1040-SR and attach Schedule EIC if you’re claiming children.
Step 4
If your income is below $84,000, you can use IRS Free File to file for free with partner software.
Step 5
Use the Where’s My Refund tool or download the IRS2Go mobile app for updates.
Tools
Make use of these IRS resources to claim and track your EITC:
- IRS EITC Resource Page
- IRS2Go Mobile App
- IRS “Where’s My Refund?” Tool
- EITC Assistant Tool
It’s your money—don’t let confusion or missed deadlines keep you from getting it.
FAQs
What is the max EITC in 2025?
$7,830 for those with 3 or more qualifying children.
Who can claim the EITC?
Low-to-moderate income workers meeting IRS rules.
When will refunds be paid?
Refunds begin in early May 2025 for April filers.
Can I get EITC with no children?
Yes, but the credit amount is much smaller.
Where do I file for EITC?
Use IRS Free File or a tax pro with Form 1040.
