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Child Tax Credit Calculator

Estimate your federal Child Tax Credit after income phaseout to see how much tax relief you may claim for qualifying children.

Quick answer: Estimate the nonrefundable 2026 federal Child Tax Credit after the income phaseout. This planning tool does not estimate the refundable Additional Child Tax Credit. Enter Qualifying Children Under 17, Married Filing Jointly, Modified Adjusted Gross Income (MAGI), and Federal Income Tax Before Nonrefundable Credits to personalize the estimate. It returns Available Credit After Phaseout, Gross Child Tax Credit, and Income Phaseout Reduction so you can compare the impact before choosing a next step. Use it to estimate tax impact, withholding, deduction, bracket, and after-tax cash-flow tradeoffs.

SWReviewed by SwitchWize Research Desk · Last reviewed June 23, 2026
Available Credit After Phaseout
$4,400
Available Credit After Phaseout
$4,400
Gross Child Tax Credit
$4,400
Income Phaseout Reduction
$0
Tax After Credit
$4,100
Credit Used Against Tax
$4,400
Diagnostic

Your estimated nonrefundable Child Tax Credit after the income phaseout is $4,400.

This does not estimate a refundable Additional Child Tax Credit; confirm eligibility with IRS Schedule 8812 instructions.

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What to do next

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Your action plan
  1. 1

    Calculate the baseline result with your current numbers

    Estimate the nonrefundable 2026 federal Child Tax Credit after the income phaseout. This planning tool does not estimate the refundable Additional Child Tax Credit.

  2. 2

    Check the assumptions before using the result for a high-stakes decision

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Save the result to Money Map or use the linked next action

    Turn the result into a prioritized action instead of treating it as a one-off number.

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This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

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Frequently Asked Questions

Everything you need to know.

What does an example Child Tax Credit Calculator calculation look like?
Using this calculator's own default assumptions, a qualifying children under 17 of 2, married filing jointly of No (single, head of household, or married filing separately) and modified adjusted gross income (magi) of $100,000 produces an estimated available credit after phaseout of $4,400 and gross child tax credit of $4,400. Enter your own numbers above to see how it changes for your situation.
How does income phaseout reduce my Child Tax Credit?
Once your Modified Adjusted Gross Income exceeds a threshold that depends on your filing status, your credit begins to phase out, meaning it decreases by a set amount for each dollar of income above that threshold. The calculator shows this reduction so you can see your available credit after the phaseout is applied.
Why does this calculator not estimate the Additional Child Tax Credit?
This tool focuses on the nonrefundable Child Tax Credit, which reduces your tax liability directly up to the amount you owe. The Additional Child Tax Credit is a refundable portion that may be available separately under different rules, and is calculated independently of this nonrefundable credit.
Is the Child Tax Credit Calculator free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the Child Tax Credit Calculator affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to plan your next move, or run Money Map to compare this taxes decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (taxes) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
Where can I see the ranking methodology?
The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

The Child Tax Credit reduces your federal income tax dollar-for-dollar, but the benefit phases out as your income rises. Understanding how your Modified Adjusted Gross Income affects the credit you can claim helps you plan for your actual tax liability. This calculator shows the nonrefundable portion only, which is the amount that directly reduces the tax you owe.

How to Use It

  1. 1Enter the number of qualifying children in your household.
  2. 2Indicate whether you file taxes as Married Filing Jointly or use another filing status.
  3. 3Input your Modified Adjusted Gross Income (MAGI) for the tax year.
  4. 4Enter your Federal Income Tax Before Nonrefundable Credits.
  5. 5Review the five outputs: your gross credit, the income phaseout reduction, your available credit, your tax after the credit is applied, and the total credit amount used against your tax.
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