For the 19th year, the Earned Income Tax Credit (EITC) “Awareness Day” campaign is back, encouraging eligible taxpayers to claim this important financial benefit.
Despite the program’s 50-year history of reducing poverty and supporting struggling families, it’s estimated that one in five eligible taxpayers fail to claim it.
If you’re eligible, this credit could put thousands of dollars back into your pocket—so let’s break down how it works and how you can claim it.
EITC
The EITC is a federal tax credit designed to help low- to moderate-income workers reduce their tax liability or even receive a refund. It’s one of the most effective tools for fighting poverty in the U.S., benefiting millions of individuals and families each year. However, many people miss out because they don’t realize they qualify or how to apply.
To claim the EITC, taxpayers must file a tax return using Form 1040 or 1040-SR (for seniors) and request the credit on that return.
Ways to Claim
There are four ways to apply for and claim your Earned Income Tax Credit:
- Online via IRS.gov
Visit the IRS website, where you’ll find interactive forms and tools to file your tax return for free. This is a quick, user-friendly option for independent filers. - Live Chat Support
If you need help during the online process, you can use the live chat feature to get real-time support and guidance for filing your federal and state tax returns. - Free Professional Assistance
On the IRS portal, you can connect with certified public accountants (CPAs), enrolled agents, or trusted preparers listed in the Directory of Federal Tax Return Preparers. These professionals can help you prepare and submit your tax return. - Volunteer Assistance
The IRS supports volunteer programs like VITA (Volunteer Income Tax Assistance) and TCE (Tax Counseling for the Elderly) to help low-income workers. You can find a local site by visiting the IRS website or calling 800-906-9887.
Who is Eligible
Eligibility for the EITC depends on your income, filing status, and number of children. You must also meet specific criteria set by the IRS.
Here’s a summary of the main requirements:
| Eligibility Criteria | Details |
|---|---|
| Income Limits | Less than $25,511 (no children) or $66,819 (three or more children) |
| Citizenship | U.S. citizen or resident for at least one year |
| Social Security Number (SSN) | Required for both you and any qualifying children |
| Tax Return Requirement | Must file a tax return for the 2025 fiscal year |
Important Deadlines
By law, the IRS cannot issue refunds for EITC claims before mid-February, so it’s essential to file as early as possible. If you submit your return and opt for direct deposit, most refunds will arrive by March 3—assuming there are no complications with your tax return.
In December 2024, the IRS reported that 23 million workers and families had claimed the EITC, collectively receiving $64 billion in financial support.
That’s life-changing money for many, so don’t miss your chance to be part of this group!
Final Thoughts
The Earned Income Tax Credit is more than just a tax break—it’s an opportunity for financial relief for millions of workers and families across the U.S. If you’re eligible, take action now.
File your tax return and claim the credit that you’ve earned. Remember, every dollar can make a difference.
FAQs
What is the Earned Income Tax Credit?
The EITC is a federal tax credit for low- to moderate-income workers to reduce their tax liability or receive a refund.
Who qualifies for the EITC?
Individuals earning below $25,511 or families earning up to $66,819 with children may qualify.
How can I claim the EITC?
File a tax return using Form 1040 or 1040-SR and request the credit on your return.
Can I get free help to file my taxes?
Yes, free help is available through VITA, TCE, and IRS-certified preparers.
When will EITC refunds be available?
EITC refunds are typically available by March 3 if filed early with direct deposit.
