Child Tax Credit Calculator 2025: Maximize Your Family Benefits
The Child Tax Credit (CTC) provides up to $2,000 per qualifying child under 17 in 2025. Up to $1,700 is refundable via the Additional Child Tax Credit (ACTC). Our calculator handles phase-outs, refundability, and other dependents.
2025 Child Tax Credit Rules
| Credit Type | Amount | Refundable? | Age Limit |
|---|---|---|---|
| Child Tax Credit | $2,000 | Up to $1,700 | Under 17 |
| Other Dependent Credit | $500 | No | 17+ |
Phase-Out Thresholds (MAGI)
| Filing Status | Phase-Out Starts | Fully Phased Out |
|---|---|---|
| Single / HoH | $200,000 | $240,000 |
| Married Joint | $400,000 | $440,000 |
| Married Separate | $200,000 | $220,000 |
Reduction: $50 for every $1,000 over threshold.
Qualifying Child Rules
- Under 17 at year-end
- Your child, stepchild, foster, sibling, or descendant
- Lived with you > half the year
- You provided >50% support
- Valid SSN issued before due date
Refundable Portion (ACTC)
Up to $1,700 per child if:
- You owe less tax than credit
- Earned income > $2,500
- 15% of (earned income − $2,500)
Example: Family of 4
MAGI: $90,000 (MFJ) 2 kids under 17 Tax liability: $3,000 Credit: $4,000 Non-refundable: $3,000 (reduces tax to $0) Refundable (ACTC): $1,000 Total benefit: $4,000
Other Dependent Credit
$500 per:
- Children 17–18
- Full-time students 19–23
- Disabled dependents
- Elderly parents
Common Mistakes
- Using wrong MAGI
- Forgetting SSN requirement
- Missing ACTC earned income rule
- Claiming non-qualifying dependents
How to Claim
File Form 1040 with Schedule 8812. Credit appears on Line 19.
State Child Credits
Many states offer additional credits:
- NY: Up to $1,000/child
- CA: $1,154 for low-income
- CO: 60% of federal
FAQs
Is CTC monthly in 2025? No — annual lump sum with refund.
Can both parents claim? Only one per child (usually higher earner).
What if child turns 17 in 2025? Gets $500 credit only.
Conclusion
Maximize your family tax savings with our 2025 Child Tax Credit Calculator. Pair with Income Tax Calculator to optimize withholding. Claim every dollar you deserve!
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