EITC Amounts for 2026: Key Credits by Filing Status

The IRS has set the Earned Income Tax Credit (EITC) Amounts for 2026 for returns filed in 2027, with a Maximum Credit of $664 (no qualifying children) up to $8,231 (three or more qualifying children). For immigrant families and other mixed-status households who file U.S. tax returns, these inflation-adjusted figures matter because a small change in income, filing status, or investment income can change the credit.

These 2026 EITC figures come from the IRS’s annual inflation adjustments, published in Revenue Procedure 2025-32. VisaVerge.com reports that families who track the yearly EITC updates early often avoid late-season filing delays and missed credits, especially when they are also preparing immigration applications that ask for tax records.

Anchor the top-line 2026 EITC numbers first

Start with the top-line amounts and limits, because they shape every later step, from paystub tracking to filing status choices.

Maximum EITC amounts for tax year 2026 (filed in 2027):
– $664 with no qualifying children
– $4,427 with one qualifying child
– $7,316 with two qualifying children
– $8,231 with three or more qualifying children

To qualify, your earned income and adjusted gross income (AGI) must stay under the IRS limits for your filing status and number of qualifying children. Your investment income cannot exceed $12,200.

Income limits for 2026

Earned income and AGI must be under these levels:

The credit phases in as earnings rise from very low levels and then phases out as income climbs past certain points. That phase behavior is central to understanding why similar households may receive different EITC amounts.

How the EITC phases in and phases out in 2026

The phase-out starting points are where many filers begin to lose part of the credit, even if they still fall under the final income limit.

Phase-out starting points for 2026:
– $10,860 — single, no children
– $18,140 — married filing jointly, no children
– $23,890 — single, with one or more children
– $31,160 — married filing jointly, with one or more children

Another set of thresholds shows when you reach the “full credit computation” range (the maximum earned income used for full credit calculation):
– $8,680 — no children
– $13,020 — one child
– $18,290 — two or more children

These thresholds explain why two workers with the same family size can receive different EITC results. Timing also matters: overtime, seasonal work, and late-year bonuses can push income into the phase-out band and reduce the credit.

Important: Even if your total income remains below the final limit, earning more during the year (bonuses, extra shifts, or second jobs) can place you in the phase-out range and shrink the EITC.

Practical timeline: what to do now through filing season 2027

Treat EITC planning like a short process with checkpoints. Most people don’t need months of prep, but they do need clean records.

Estimated timeline
1. Now through late 2026: Track income, filing status, and investment income. Save year-end documents.
2. January–February 2027: Gather W-2s, 1099s, and other income records as they arrive.
3. February–April 2027: Run an eligibility check, prepare the return, and file once documents are complete.
4. After filing: Watch for IRS questions and keep a complete copy of the filed return for your records.

For immigration cases, the “after filing” step matters because many applications and attorney checklists ask for tax returns and transcripts. A missing schedule or an incorrect filing status can create stress later.

Step-by-step: check eligibility and prepare your 2026 EITC claim

Use this sequence to reduce errors and avoid rework. Each step mirrors how tax professionals review EITC claims.

1. Confirm your 2026 income stays under the limit for your category.
   Compare your earned income and AGI to the 2026 table for your filing status and number of qualifying children.

2. Check the investment income cap early.
   If your 2026 investment income goes over $12,200, you won’t qualify for the EITC for that year.

3. Estimate where you fall in the phase-out range.
   If your income rises above the phase-out starting point, expect the credit to shrink, even if you remain below the final cap.

4. Use the IRS’s official eligibility tool.
   The IRS recommends the EITC Assistant, which walks through the questions that affect eligibility and credit size. Use it here: IRS EITC Assistant.

5. File your 2026 return accurately and keep a full copy.
   Save the return, W-2s, and any worksheets used to support the EITC, because you may need them for future filings or immigration paperwork.

This process is also a safeguard for couples who file jointly. A small mismatch between income documents and what is entered on the return can change the credit amount.

Comparing 2026 to 2025: what changed in real dollars

The 2026 credit amounts increased slightly from 2025. That matters for workers near the line where a few dollars can affect the EITC calculation.

Maximum EITC amounts in 2025 (for comparison):
– $649 — no children
– $4,328 — one child
– $7,152 — two children
– $8,046 — three or more children

Income limits moved as well. For example, in 2025 the income limits for filers with no qualifying children included $19,104 (Single/Head of Household) and $26,214 (Married Filing Jointly). In 2026, those rise to $19,540 and $26,820.

For families whose earnings rise with inflation, that adjustment can keep them eligible, or preserve more of the credit, even if their pay increases slightly.

Immigration-focused expectations: how EITC planning fits real life

Many immigrants file taxes while also managing visa renewals, green card steps, or family petitions. The EITC itself is a tax credit, but the paperwork around it often overlaps with immigration documentation habits.

Practical tips:
– Keep records in one place. Store W-2s, 1099s, and year-end summaries with a copy of the filed return.
– Track filing status decisions early. The EITC thresholds differ for Single/Head of Household versus Married Filing Jointly, so the category matters.
– Avoid surprises from investment income. The $12,200 cap is a hard stop for EITC eligibility in 2026.
– Use official tools before you file. The IRS EITC Assistant helps reduce mistakes that lead to delays.

EITC planning often feels like “just taxes,” until a family needs a clean return quickly for a landlord, a school form, or an immigration filing checklist. Starting with the Amounts for 2026 and confirming where your household fits against the limit is the fastest way to set expectations and file with confidence.