Families across the United States are gearing up for some welcome financial relief this fall as the Internal Revenue Service (IRS) prepares to issue Additional Child Tax Credit (ACTC) payments in October 2025.
This refundable credit is designed to help working families who owe little or no federal income tax, providing real cash support right when it’s needed most.
What Is the Additional Child Tax Credit (ACTC)?
The ACTC is an extension of the Child Tax Credit (CTC), aimed at ensuring that low- and moderate-income families receive the full value of the credit—even if they don’t owe taxes.
Eligible parents can receive up to $1,700 per qualifying child, and the payment comes in the form of a cash refund rather than a deduction. In other words, even families with zero tax liability can still receive the credit. For many households, that’s a direct infusion of money that helps keep up with rising living expenses.
When and How Payments Will Arrive
According to IRS guidance, ACTC payments are set to roll out starting October 2025. Taxpayers who filed their 2024 returns between mid-September and early October 2025 will be among the first to receive their refunds.
- Direct deposit: Arrives within 72 hours after the IRS processes and approves the return.
- Paper checks: May take up to one week to reach mailboxes.
To avoid any delays, make sure your bank account and mailing details are accurate before you file.
ACTC Payment Overview
| Program Name | Additional Child Tax Credit (ACTC) |
|---|---|
| Parent Program | Child Tax Credit (CTC) |
| Administered By | Internal Revenue Service (IRS) |
| Maximum Amount | $1,700 per qualifying child |
| Payment Date | October 2025 (for 2024 tax year) |
| Payment Method | Direct deposit or paper check |
| Eligible Child Age | Under 17 by December 31, 2024 |
| Official Website | www.irs.gov |
Why the $1,700 ACTC Matters for Families
This payment couldn’t come at a better time. With the cost of everyday necessities—from groceries to childcare—continuing to rise, the $1,700 ACTC offers real breathing room for millions of families.
It can help cover back-to-school expenses, rent, food, utilities, or even emergency savings. Beyond the immediate financial relief, the credit helps reduce stress and gives working parents more flexibility to manage household budgets.
Who Qualifies for the $1,700 ACTC?
To be eligible for the Additional Child Tax Credit, you’ll need to meet all the following requirements:
- The child must be under 17 at the end of 2024.
- The child must be your son, daughter, stepchild, foster child, sibling, or a descendant (grandchild, niece, nephew).
- The child must have lived with you for more than half of the year.
- The child cannot provide more than half of their own support.
- You must have earned at least $2,500 in income.
- Your Modified Adjusted Gross Income (MAGI) must be below $200,000 (single) or $400,000 (married filing jointly).
- Both you and your child must have valid Social Security numbers.
These criteria ensure that the ACTC primarily benefits hardworking families raising children in today’s challenging economy.
How to Claim Your ACTC Payment
Claiming the ACTC is simple if you file your taxes correctly. Here’s what you’ll need to do:
- File your 2024 federal income tax return on time.
- Attach Schedule 8812 (Credits for Qualifying Children and Other Dependents).
- Provide accurate details for your child’s Social Security number, relationship, and income.
- Choose how you want to receive your payment — direct deposit or paper check.
- E-file your return to reduce errors and speed up processing.
Once your return is processed, you can track your refund using the IRS “Where’s My Refund?” tool on their website.
Tracking Your Refund Securely
The IRS updates its refund tracking tool once daily, usually overnight. You’ll need three things to check your status:
- Your Social Security number,
- Your filing status, and
- The exact refund amount listed on your return.
Be cautious of scammers posing as the IRS — never click on random links or share personal details over email or text. Always verify information directly at irs.gov.
When to Expect Your Money
If your return is filed and accepted between mid-September and early October 2025:
- Direct deposits will typically arrive within three business days of IRS approval.
- Paper checks will follow within 7 to 10 days.
Keep your contact and banking information updated to ensure your refund isn’t delayed or misdirected.
Relief That Makes a Difference
For millions of parents, the $1,700 ACTC isn’t just a tax credit—it’s a genuine lifeline. It gives families a chance to catch up on bills, stock up on essentials, and focus on what matters most: their children’s well-being.
By filing early and accurately, families can make sure they don’t miss out on this valuable benefit. Come October 2025, those who qualify could see an important financial boost arriving right on time.
FAQs
How much can I get from the ACTC in October 2025?
Up to $1,700 per qualifying child, depending on your income and eligibility.
Do non-filers qualify for the ACTC?
Yes, but they must file a 2024 tax return and meet the child eligibility and income rules.
Is the ACTC payment taxable?
No. It’s a tax-free refundable credit, meaning it won’t count as income or affect other benefits.
