$300 Child Tax Credit Returns in 2025: If you’re a parent or guardian, you may be wondering what the Child Tax Credit (CTC) for 2025 entails and how it affects your tax return. While the temporary expanded CTC that included $300 monthly payments per child expired after 2021, the tax credit remains an essential financial relief for families. In 2025, the credit structure remains closer to pre-2021 levels, with eligible families receiving up to $2,000 per child under 17.
To help you navigate this, we’ve put together a detailed guide covering key dates, eligibility, payment schedule, and important changes to be aware of. Understanding the tax credit and how it applies to your situation can help you maximize your potential refund and avoid common pitfalls that may delay your payment.
$300 Child Tax Credit Returns in 2025
| Feature | Details |
|---|---|
| Maximum Credit Per Child | Up to $2,000 per child under 17 |
| Refundable Amount | Up to $1,700 of the credit is refundable |
| Income Phase-out | Begins at $200,000 (single filers) and $400,000 (married filing jointly) |
| Filing Deadline | April 15, 2026 |
| IRS Official Link | IRS Child Tax Credit |
The Child Tax Credit in 2025 continues to offer significant financial support to families, even though monthly advance payments have ended. Families can claim up to $2,000 per child, with a refundable portion of up to $1,700 for those who qualify. Understanding eligibility requirements, income limits, and filing deadlines is essential to maximizing your refund.
What Is the Child Tax Credit and How Does It Work?
The Child Tax Credit (CTC) is a federal tax benefit designed to help families with the cost of raising children. Parents and guardians can use this credit to lower their tax liability and potentially receive a refund. This credit has been in place for years, but its rules and amounts have changed over time due to legislative adjustments.
Changes in 2025: What’s Different?
After the temporary expansion in 2021, which allowed families to receive $300 monthly payments per child, the CTC returned to its traditional format:
- No monthly payments – Families must claim the credit when filing their 2025 tax return.
- Maximum credit of $2,000 per child under the age of 17.
- Refundable portion increased to $1,700, allowing more low-income families to benefit.
- Phase-out thresholds remain the same as previous years.
Understanding these differences is key to ensuring you properly claim the credit and receive the maximum benefit.
Eligibility for the Child Tax Credit in 2025
To qualify for the CTC, families must meet specific criteria:
1. Age Requirement
- The child must be under 17 years old by the end of 2025.
2. Relationship to the Taxpayer
- The child must be a son, daughter, stepchild, foster child, sibling, or descendant (e.g., grandchild, niece, or nephew).
3. Residency Requirement
- The child must have lived with the taxpayer for more than half the tax year.
4. Income Limits
- The credit begins to phase out at:
- $200,000 for single filers
- $400,000 for married couples filing jointly
5. Citizenship Requirement
- The child must be a U.S. citizen, U.S. national, or U.S. resident alien with a valid Social Security Number (SSN).
Families who meet all these requirements will be eligible to claim the full credit amount. However, those exceeding the income threshold may see a reduced benefit.
How to Claim the Child Tax Credit on Your Tax Return
1. File a Tax Return
To receive the credit, you must file a tax return with the IRS in 2026 for the 2025 tax year, even if you are not otherwise required to file.
2. Complete Schedule 8812
Include Schedule 8812 (Credits for Qualifying Children and Other Dependents) when filing to calculate the refundable portion.
3. Ensure Accurate Information
Make sure the child’s Social Security Number (SSN), birth date, and residency status are correct to avoid delays or rejections.
4. Choose Direct Deposit for Faster Refunds
- If eligible for a refund, selecting direct deposit will allow you to receive the payment faster than by paper check.
Child Tax Credit Payment Schedule 2025
Since the advance monthly payments ended, families will not receive $300 per month as in 2021. Instead, the credit will be issued as a lump sum when tax refunds are processed.
- Filing Season Begins: January 2026
- Early Filers May Receive Refunds: February to March 2026
- Deadline to File: April 15, 2026
Note: If you claim the Additional Child Tax Credit (ACTC) (the refundable portion), the IRS cannot issue refunds before mid-February 2026 due to anti-fraud measures.
March 2025 COLA Update: Check How Your Social Security Benefits Have Changed!
FAQs About $300 Child Tax Credit Returns in 2025
1. Can I still receive the $300 per month Child Tax Credit in 2025?
No, the expanded monthly advance payments ended in 2021. In 2025, you will claim the full credit when filing your tax return.
2. What if my income exceeds the threshold?
If your adjusted gross income (AGI) exceeds $200,000 (single) or $400,000 (married filing jointly), your credit will be reduced by $50 for every $1,000 above the limit.
3. How do I know if I qualify for the refundable portion?
If your earned income exceeds $2,500, you may be eligible for the Additional Child Tax Credit (ACTC), which is refundable up to $1,700 per child.
4. When will I receive my refund if I claim the Child Tax Credit?
- If you file early and opt for direct deposit, expect your refund around March 2026.
- Refunds for those claiming the ACTC may be delayed until mid-to-late February 2026.
5. Can I claim the Child Tax Credit if I have no income?
No. To receive the refundable portion, you need at least $2,500 in earned income.
