For many American families, the Child Tax Credit (CTC) has become a crucial part of the financial support they rely on to help raise children. Whether it’s for covering daily expenses, school supplies, or extracurricular activities, this credit provides much-needed relief. If you’ve been wondering when your 2025 Child Tax Credit payment will be issued, the wait is over. The IRS has officially announced the exact date you can expect to receive your payment!
What Is the 2025 Child Tax Credit?
The Child Tax Credit is a federal benefit designed to assist families with children under the age of 17. For the tax year 2025, eligible families will receive up to $3,000 per child for children aged 6 to 17, and up to $3,600 per child for children under the age of 6. This amount is paid in monthly installments to help ease the financial burdens of raising children, with the added flexibility of spending the funds on essentials like food, education, and healthcare.
The payment schedule for 2025 continues to be part of the ongoing effort to provide steady support for families throughout the year. Here’s what you need to know about when and how you’ll receive the payment.
The Official 2025 Child Tax Credit Payment Date
The IRS has officially confirmed that the 2025 Child Tax Credit payments will begin on July 15, 2025. This date marks the start of the monthly disbursements, which will continue through December 2025.
Payment Schedule for 2025
The IRS will issue monthly payments of the Child Tax Credit, with the payments typically arriving on the 15th of each month. If the 15th falls on a weekend or holiday, the payment will be issued on the next business day. Here’s a breakdown of the expected schedule for the 2025 payments:
- July 15, 2025 – First payment
- August 15, 2025 – Second payment
- September 15, 2025 – Third payment
- October 15, 2025 – Fourth payment
- November 15, 2025 – Fifth payment
- December 15, 2025 – Final payment
These monthly payments will be deposited directly into the bank account you have on file with the IRS, or if you’re not set up for direct deposit, the funds will be mailed as checks.
How Much Will You Receive?
The amount you will receive depends on your family’s specific circumstances, including the age of your children and your household income. Here are the key details:
- Children under 6: Eligible families will receive $300 per month per child under the age of 6.
- Children ages 6 to 17: Families with children in this age group will receive $250 per month per child.
For example, a family with two children under age 6 could receive $600 per month, while a family with three children, aged 5, 10, and 15, could receive $750 per month.
Eligibility for the 2025 Child Tax Credit
2024 Child Tax Credit: Confirmed Payment Dates and What to Expect
To qualify for the 2025 Child Tax Credit, your family must meet the following criteria:
- Children under 17: Your child(ren) must be under the age of 17 as of the end of the 2025 tax year (December 31, 2025).
- Income limits: The credit is gradually phased out for higher-income households. The phase-out begins when your modified adjusted gross income (MAGI) exceeds $200,000 for single filers or $400,000 for married couples filing jointly.
- Filing taxes: To receive the credit, you must file a federal tax return, even if you don’t owe any taxes. If you don’t typically file, you may need to file a simple tax return to claim the credit.
- Social Security Number: Your child(ren) must have a valid Social Security Number (SSN) to qualify.
The payments are intended to be accessible for a broad range of families, and the monthly payments can make a significant difference, especially in times of financial uncertainty.
What If You Don’t Receive Your Payment on Time?
If you don’t receive your Child Tax Credit payment by the expected date, the IRS recommends the following steps:
- Check the IRS Child Tax Credit Update Portal: The IRS has an online portal where you can check the status of your payments. It allows you to confirm if the payment has been processed, and whether there are any issues such as incorrect banking information or missing documentation.
- Confirm Your Information: Ensure that your direct deposit details (or mailing address) are up to date with the IRS. If there is an issue with your bank account number or address, it could cause delays.
- Contact the IRS: If you believe there is an error or your payment is delayed, you can contact the IRS directly for assistance. You can reach them at 1-800-829-1040 or visit the IRS website for guidance.
- Check for Refund Offsets: In some cases, if you owe federal debts (like overdue student loans or back taxes), the IRS may withhold your Child Tax Credit payment to cover those debts. If this happens, you should receive a notice explaining the deduction.
Why Is This Payment So Important?
The IRS Clarified That These Americans Will Pay Less Tax in 2025
The 2025 Child Tax Credit is one of the most significant forms of financial support for working families in the United States. With the cost of living rising, especially in areas like housing, healthcare, and education, this monthly payment can help families manage the financial pressures of raising children.
In addition to providing direct financial relief, the Child Tax Credit helps reduce the poverty rate, contributing to the overall well-being of children and families. The predictable, monthly payments allow families to budget more effectively, making it easier to cover day-to-day expenses and plan for the future.
Final Thoughts: Get Ready for July 15, 2025!
Now that the official date for the 2025 Child Tax Credit payments has been confirmed, it’s time to prepare for this valuable financial benefit. Starting July 15, 2025, eligible families will begin receiving monthly payments, providing vital support for children and parents throughout the year.
Ensure your tax information is up to date, and mark the 15th of each month on your calendar for the rest of the year to stay on top of your payments. The 2025 Child Tax Credit is here to provide financial security, and with this new announcement, families can plan ahead with confidence!