Quick answer
The Earned Income Tax Credit is a refundable federal tax credit for people who work and have low to moderate income, so you can get money back even if you owe no tax. The amount depends on income, filing status and number of qualifying children. Workers without children can qualify if they are at least 25 and under 65. You must file a tax return to claim it; IRS VITA sites prepare returns for free.
Basics
- Have earned income. Wages, self-employment or farm income count. Unemployment does not.
- Meet the income limits. The IRS posts limits and maximum credits for each year.
- Have a valid Social Security number. You, your spouse if filing jointly, and qualifying children.
- File a return. Use the IRS EITC Assistant to check before you file.
When it arrives
By law, the IRS cannot issue refunds that include the EITC before mid-February. Many arrive by early March if you file electronically with direct deposit.
Common questions
Can I get the EITC with no children?
Yes, if you meet the age and income rules for workers without qualifying children. The credit is smaller.
Can I claim the EITC for past years?
Yes. You generally have three years from the return's due date to file and claim a refund.
Does gig work count as earned income?
Yes. Self-employment income counts, after expenses.
Where these facts come from
- IRS: Earned Income Tax Credit
- IRS: free tax return preparation (VITA and TCE)
- IRS: refund timing questions
Sources checked October 10, 2026. Programs and rules change; confirm details with the agency or company before you act.
Disclosures
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