How to unlock nearly $13,000 in tax credits: Millions of Americans qualify | Find out If you’re eligible

The 2026 tax season is well under way, and nearly two thirds of Americans are likely to receive some money back from the Internal Revenue Service. However, many taxpayers leave valuable money on the table by not claiming all the tax credits that Uncle Sam offers.

One opportunity that stands out is the Earned Income Tax Credit (EITC), a federal benefit designed to assist low- to moderate-income workers. Depending on your income and family size, the EITC can provide substantial financial relief.

Understanding the EITC

The EITC is a refundable tax credit aimed at reducing the tax burden on eligible workers. For the 2025 tax year, the maximum credit amounts are as follows:

• No qualifying children: Up to $649
• One qualifying child: Up to $4,328
• Two qualifying children: Up to $7,152
• Three or more qualifying children: Up to $8,046

To qualify, your earned income and adjusted gross income (AGI) must fall below specific thresholds.

For instance, a single filer with three or more qualifying children must have an AGI under $61,555, while the limit for married couples filing jointly is $68,675. Additionally, your investment income should not exceed $11,950.

State-level benefits: California’s CalEITC and YCTC

Beyond the federal EITC, certain states offer their own credits to further support residents. California, for example, provides the California Earned Income Tax Credit (CalEITC) and the Young Child Tax Credit (YCTC). For the 2025 tax year:

• CalEITC: Offers a tax credit up to $3,756, available to individuals with incomes of at least $1 and up to $32,900.
• YCTC: Offers up to $1,189 for those eligible for CalEITC and who have a child under six years old.

When combined with the federal EITC, a qualifying California family could receive a total of up to $12,991 in credits.

Eligibility criteria for California credits

To determine if you’re eligible for these credits, consider the following:

• Income limits: Ensure your earned income and AGI are below the specified thresholds.
• Investment income: Must be less than $11,950.
• Valid Social Security number: Required for you, your spouse (if filing jointly), and any qualifying children.
• Citizenship: You must be a U.S. citizen or resident alien for the entire tax year.
• Filing status: Married individuals must file jointly to qualify.

Special rules apply for military personnel, clergy, and individuals with certain types of disability income.

How do I claim the EITC credits?

To benefit from these credits, you need to file a tax return, even if your income is below the filing threshold. Utilizing electronic filing options and opting for direct deposit can expedite your refund. The IRS offers tools like the EITC Assistant to help determine your eligibility.

Each year, many taxpayers overlook these valuable credits, leaving significant money on the table.

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