The Child Tax Credit (CTC) has been a vital financial relief for millions of American families, helping parents offset the rising costs of raising children.
While the expanded $3,600 and $3,000 credits from 2021 are not returning in 2025, families can still claim up to $2,000 per child on their tax return.
This guide explains the payment schedule, eligibility requirements, and income limits to help you maximize your tax benefits.
Key Details About the Child Tax Credit in 2025
| Aspect | Details |
|---|---|
| Maximum Credit Amount | Up to $2,000 per child under 17 |
| Refundable Amount | Up to $1,700 per child through the Additional Child Tax Credit (ACTC) |
| Income Limits | Phase-out begins at $200,000 (single filers) and $400,000 (married filing jointly) |
| Eligibility Criteria | U.S. citizen children with valid SSNs, claimed as dependents, and under 17 years old |
| IRS Payment Schedule | No monthly payments; credit is claimed when filing taxes |
| Legislative Updates | The expanded 2021 CTC has not been reinstated as of 2025 |
| Official IRS Resource | IRS Child Tax Credit Info |
What is the Child Tax Credit (CTC)?
The Child Tax Credit is a federal tax benefit designed to provide financial relief for families with children. It reduces tax liability and, in some cases, offers a refundable amount if the credit exceeds the taxes owed.
2021 Expansion Recap: In 2021, the American Rescue Plan temporarily increased the Child Tax Credit to $3,600 for children under 6 and $3,000 for children aged 6-17, with monthly advance payments. However, this expansion ended in 2021, and the credit has reverted to its previous structure.
How Much is the Child Tax Credit in 2025?
For the 2024 and 2025 tax years, the Child Tax Credit provides:
- Up to $2,000 per qualifying child
- Up to $1,700 refundable through the Additional Child Tax Credit (ACTC)
- The remaining amount only offsets tax liability (non-refundable portion)
This means that if you don’t owe federal taxes, you may not receive the full benefit unless you qualify for the refundable portion.
Who Qualifies for the Child Tax Credit in 2025?
To claim the Child Tax Credit, both parents and children must meet IRS eligibility requirements.
Parent Eligibility Requirements:
- Must file a U.S. tax return (Form 1040 and attach Schedule 8812).
- Meet income limits to receive the full credit.
- Lived in the U.S. for at least half of the tax year.
Child Eligibility Requirements:
- Under 17 years old at the end of the tax year.
- Relationship: Must be your biological child, stepchild, adopted child, foster child, sibling, grandchild, niece, or nephew.
- Lived with you for at least six months of the year.
- Did not provide more than half of their own financial support.
- Must have a valid Social Security Number (SSN) issued before the tax filing deadline.
- Must be claimed as a dependent on your tax return.
Income Limits & Phase-Out Rules
The full $2,000 Child Tax Credit is available to taxpayers earning below these thresholds:
| Filing Status | Income Limit |
| Married Filing Jointly | Up to $400,000 |
| Single / Head of Household / Married Filing Separately | Up to $200,000 |
If your income exceeds these limits, your credit will be reduced by $50 for every $1,000 over the limit until it phases out completely.
When Will Families Receive the Child Tax Credit in 2025?
Unlike the 2021 expansion, which provided monthly advance payments, the 2025 Child Tax Credit follows the standard tax refund schedule:
- Families will claim the credit when filing their tax return (for 2024 in early 2025).
- The credit will either reduce tax liability or result in a tax refund.
- There are no monthly payments in 2025.
Important: To receive the refundable portion of the Child Tax Credit, your earned income must be at least $2,500.
How to Claim the $3,600 & $3,000 Child Tax Credit in 2025?
Claiming the Child Tax Credit is straightforward. Follow these steps:
- File Your Tax Return
- Use IRS Form 1040 and attach Schedule 8812.
- Ensure Your Child Has an SSN
- The IRS requires a valid Social Security Number for each child.
- Meet the Earned Income Requirement
- To qualify for the refundable portion, you must earn at least $2,500.
- Calculate Your Credit
- Use IRS tax software or consult a tax professional.
- Submit Your Taxes On Time
- The deadline for filing is April 15, 2025.
The Child Tax Credit in 2025 continues to provide significant financial relief for families, with up to $2,000 per qualifying child.
Although the higher 2021 CTC amounts are not returning, eligible taxpayers can still claim a refundable portion of up to $1,700.
To maximize your benefits, ensure you meet the income requirements, file your tax return correctly, and submit all necessary documents before the April 15, 2025 deadline.
For the latest updates, visit the IRS Child Tax Credit Page.
FAQs
Will the $3,600 Child Tax Credit return in 2025?
No, the expanded $3,600 and $3,000 credits from 2021 were temporary and have not been extended for 2025.
Can I get the Child Tax Credit if I don’t owe taxes?
Yes, but only up to $1,700 per child is refundable through the Additional Child Tax Credit (ACTC) if you meet the $2,500 income requirement.
When will I receive my Child Tax Credit in 2025?
The credit is claimed when filing taxes and will be included in your tax refund or as a tax reduction.
