Stack Your Tax Credits: Child Tax Credit + Dependent Care Credit

Child Tax Credit and the Dependent Care Credit on the same return? Yes why not!

The Child Tax Credit gives you up to $2,200 per child, while the Dependent Care Credit covers $3,000–$6,000 in expenses and you get a % of that as a credit.

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Now what are the rules.

Child Tax Credit (CTC): A nonrefundable credit up to $2,200 per qualifying child under age 17. If the credit is bigger than your tax, you may get part of it back as the Additional Child Tax Credit (ACTC), up to $1,700 per child, depending on your earned income and other limits Child Tax.

Who qualifies as a child?

• The child is your dependent.

• The child is under age 17 at the end of 2025.

• Lived with you more than half the year.

• Didn’t provide over half of their own support.

• Didn’t file a joint return (other than just to get a refund).

• Is a U.S. citizen, U.S. national, or U.S. resident alien Child Tax Credit.

Income limits: The full $2,200 per child is available if your modified adjusted gross income is at or below $200,000 ($400,000 if married filing jointly). Above that, the credit phases down Child Tax Credit.

Child and Dependent Care Credit: A nonrefundable credit for a percentage of what you spent on care so you (and your spouse, if filing jointly) could work or actively look for work. You can count up to $3,000 of expenses for one qualifying person, or up to $6,000 for two or more. The exact credit percentage (up to 35%) depends on your income.

If you’re filing your own tax return, take the time to see if you qualify and reduce your tax liability. If you’re using a CPA or tax professional, be sure to ask if they’ve claimed these on your return.

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