The U.S. government continues to support low- and middle-income families through the Child Tax Credit (CTC) program in 2025. If you’re a parent or guardian, this guide will help you understand how much you can receive, when to expect payments, and who qualifies.
What is the Child Tax Credit (CTC) 2025?
The Child Tax Credit is a government-provided financial benefit for families with children under 18. It helps ease the burden of childcare and household expenses—especially for low-income households. Payments are issued monthly, giving families steady support throughout the year.
How Much Will You Receive Each Month?
Here’s how much eligible families will get under the 2025 CTC program:
$300 per month for each child aged 5 or younger
$250 per month for each child aged 6 to 17
These payments are made on the 15th of each month, starting January 15, 2025. If the 15th falls on a weekend or holiday, payments will be released on the last working day before it.
Key Eligibility Criteria for CTC 2025
To qualify for the Child Tax Credit, here are the basic requirements:
You must be a U.S. citizen or permanent resident
Your child must be under the age of 17
You must have lived with the child for more than 6 months during the year
The child must have a valid Social Security number
You must have a direct relationship with the child (biological, adopted, or stepchild)
You must file a tax return (though some non-filers may still qualify)
How to Get Your Child Tax Credit Payments
The IRS sends out CTC payments automatically to eligible individuals who’ve filed their taxes. If you haven’t filed your return yet, it’s important to do so—even if you’re a non-filer—so you don’t miss out.
You’ll receive the payment directly into your bank account if you’ve linked it with the IRS, or you may get a paper check if not.
Changes Coming in July 2025
The IRS plans to revise the CTC benefit amount starting July 1, 2025. This means eligible families may receive increased monthly payments in the second half of the year. Keep an eye on official IRS updates for the revised amounts.
CTC Payment Dates in 2025: Monthly Schedule
Mark your calendars! Payments are set for the 15th of every month, starting in January 2025. However, if the 15th is a weekend or public holiday, you’ll receive the payment on the last working day before that date.
For example:
January 15 – Wednesday (paid on time)
February 15 – Saturday (paid on February 14)
And so on…
FAQs: Quick Answers About the CTC
Q: What’s the monthly benefit for kids under 6?
A: $300 per child per month.
Q: What about children aged 6–17?
A: $250 per child per month.
Q: Who can get the Child Tax Credit?
A: Families who live in the U.S. with dependent children under age 17 and meet all other IRS eligibility criteria.
Final Note:
To stay updated, always refer to the official IRS website. The Child Tax Credit is a valuable support system—don’t miss out if you qualify!