Families with kids can earn more than $100k in tax-free income

Amount of tax-free adjusted gross income by family size and tax provision.

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Source: Author’s calculations, Congressional Budget Office, Internal Revenue Service.

Notes: CTC = child tax credit. Tax year 2026. Assumes married filing jointly, all children under age 13, and at least $13,500 in childcare expenses ($10,500 for one child). Rounded down to the nearest $100 pre-tax income. Single and one-kid family interact with earned income tax credit phase-out.