Utah EITC and Tax Credits for Single Mothers: The No‑Fluff 2025 Guide

Last updated: September 2025

This guide focuses on what actually puts money back in your pocket in Utah this tax season. It uses only official sources and gives exact dollar amounts, timelines, and how to apply.

Quick Help Box

• If you worked in 2024 and have kids, check your federal Earned Income Tax Credit (EITC) and claim it. For 2024 returns, the max EITC is up to $7,830\ast \ast (3+kids).For2025returns,it’supto\ast \ast$8,046. Use the IRS EITC tables linked below. (irs.gov)
• Utah has a state EITC equal to 20% of your federal EITC, but only up to your Utah W‑2 wages and it’s nonrefundable. You must have Utah W‑2 income. Code “AM” on Utah Form TC‑40A. (incometax.utah.gov)
• Utah has a new nonrefundable Child Tax Credit (CTC) of $1,000 per child ages 1–3 for 2024 tax year filings (phased out as income rises). You must also qualify for the federal CTC. Code “AT” on Utah Form TC‑40A. (incometax.utah.gov, le.utah.gov)
• Refund timing: If you claim EITC or the Additional CTC, the IRS cannot release your refund until mid‑February; most early filers see deposits by about the first week of March if there are no issues. Track “Where’s My Refund?” often. Utah state refunds: allow up to 120 days after March 1. (irs.gov, incometax.utah.gov)
• Free, safe filing help in Utah: VITA “Earn It. Keep It. Save It.” sites and IRS Free File. To book VITA in Utah, visit the coalition site below or call the IRS VITA locator at 800‑906‑9887. (earnitkeepitsaveitutah.org, irs.gov)
• Need the IRS in person? Call 844‑545‑5640 for a Taxpayer Assistance Center appointment. (irs.gov)

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Start Here: Fastest path to your Utah refunds

• File a 2024 federal return even if your income is low and you’re not “required” to file. You can’t get EITC/CTC/CDCTC without filing. Use IRS Free File or a Utah VITA site. (irs.gov)
• Check your EITC eligibility with the IRS tool, then gather W‑2s, childcare receipts, and Social Security numbers (SSNs). If a child lacks an SSN, you cannot claim that child for CTC and likely not for EITC; see rules below. (irs.gov)
• If you qualify for the federal EITC and have Utah W‑2 wages, add Utah’s 20% EITC (code AM) on your state return. Utah’s credit is capped by your Utah W‑2 wages and is nonrefundable. (incometax.utah.gov)
• If your child is age 1–3 on Dec. 31, 2024 and you qualify for the federal CTC, add Utah’s CTC (code AT). Income phase‑outs apply. (incometax.utah.gov)
• Use direct deposit and e‑file to speed up refunds; expect PATH Act holds for EITC/ACTC until mid‑February. Utah can’t release state refunds until March 1, then allow up to 120 days. (irs.gov, tax.utah.gov)

What to do if this doesn’t work: If filing is overwhelming, book a free VITA appointment. If you’ve filed and a refund is stuck beyond the dates above, call the IRS at 800‑829‑1040 or book a TAC appointment at 844‑545‑5640. For Utah state refund delays, call the Utah Tax Commission at 801‑297‑2200 or 800‑662‑4335. (irs.gov, incometax.utah.gov)

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Federal Earned Income Tax Credit (EITC): exact 2024 and 2025 numbers

The EITC is a refundable federal credit for workers with low‑to‑moderate earnings. It rises with earned income up to a point, then phases out. You must meet SSN, residency, and filing‑status rules. (irs.gov)

2024 tax year (filed in 2025): Income limits and maximum credit

Investment income must be $11,600 or less. Source: IRS EITC tables. (irs.gov)

2025 tax year (filed in 2026): Income limits and maximum credit

Official inflation adjustments (Rev. Proc. 2024‑45). (irs.gov)

Key eligibility notes (fast):

• You, your spouse (if MFJ), and each child you claim for EITC must have a valid SSN issued by the return due date. Don’t file Form 2555. Special rules apply for certain separated spouses. (irs.gov)
• If your child lacks an SSN, you may still qualify for the small “no‑child” EITC if you otherwise qualify and have a valid SSN. (irs.gov)

Real‑world example (2024 return): A head‑of‑household mom with two kids and $26,000\ast \ast inW‑2wageswilllikelybenearthemaximumfederalEITC(\ast \ast$6,960). If your income is higher, your credit phases down. Use the IRS table or EITC Assistant for a precise figure. (irs.gov)

What to do if this doesn’t work: If you’re unsure about qualifying children or head‑of‑household status, use IRS Publication 504 (divorced/separated rules) and the EITC Assistant. For disputes or letters (CP75/CP75C), answer by the deadline and provide school/medical/lease records to prove residency. (irs.gov)

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Utah Earned Income Tax Credit (state EITC)

Utah’s EITC is a separate state credit:

• Amount: 20% of your federal EITC.
• You must (1) qualify for and claim the federal EITC, and (2) have Utah wage income reported on a W‑2. Self‑employment only (no Utah W‑2) does not qualify.
• Nonrefundable: it can reduce your Utah tax to zero but won’t create a refund. Enter on TC‑40A, Part 3, code AM. The credit is capped at your total Utah W‑2 wages. (incometax.utah.gov)

Example: If your federal EITC is $4,000\ast \ast ,yourUtahEITCstartsat\ast \ast$800 (20%), but if your Utah W‑2 wages total $750\ast \ast ,yourUtahcreditis\ast \ast$750 (the lesser amount). (incometax.utah.gov)

What to do if this doesn’t work: If you only have self‑employment or 1099 income, Utah’s EITC won’t apply. Focus on maximizing your federal EITC and federal Child Tax Credit and see the “Utah Child Tax Credit” below, plus childcare and education credits. For state tax questions, call the Utah Tax Commission at 801‑297‑2200 or 800‑662‑4335. (incometax.utah.gov)

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Federal Child Tax Credit (CTC) and Additional Child Tax Credit (ACTC)

• For 2024 returns: up to $2,000\ast \ast perqualifyingchildunderage17,withupto\ast \ast$1,700 refundable as ACTC (phased in). Income phaseout starts at $200,000\ast \ast (single/HOH)or\ast \ast$400,000 (MFJ). Children must have an SSN issued by the return due date. File Schedule 8812. (irs.gov)
• For 2025 returns: IRS inflation procedure keeps the refundable portion at $1,700 for tax year 2025 (filed in 2026). (irs.gov)

Essential SSN rule: For CTC/ACTC, each child must have an SSN valid for work by the return due date. Parents can have SSNs or ITINs, but the child must have an SSN. If not, you may use the nonrefundable “Credit for Other Dependents” instead. (irs.gov)

Refund timing: The PATH Act requires the IRS to hold any refund that includes EITC/ACTC until mid‑February; most early filers see updated dates by about February 22 and direct deposits around the first week of March if there are no issues. (irs.gov)

What to do if this doesn’t work: If the child doesn’t yet have an SSN, work with SSA promptly. If you or your child need an ITIN for other credits, see the ITIN section below and expect 7–11 weeks processing in peak season. (irs.gov)

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Utah Child Tax Credit (state CTC)

Utah allows a nonrefundable $1,000 credit per qualifying child if:

• The child qualifies for the federal CTC (IRC §24), and
• The child is age 1–3 on the last day of 2024.
• Phase‑out reduces the credit by 10% of modified AGI over: $43,000\ast \ast (single/HOH),\ast \ast$54,000 (MFJ), $27,000 (MFS). Claim on TC‑40A, code AT. Nonrefundable; cannot be carried. (incometax.utah.gov)

Law reference: 2023 Utah HB 170 created this credit, effective for tax years beginning on or after January 1, 2024. (le.utah.gov)

Example: HOH income $46,000\ast \ast withonechildage2.Phase‑outis\ast \ast$46,000 − $43,000=$3,000; 10% of that is $300\ast \ast .YourUtahCTCis\ast \ast$1,000 − $300=$700, if you owe at least that much Utah tax. (incometax.utah.gov)

What to do if this doesn’t work: If your child is under age 1 or over age 3 on 12/31/2024, this state credit won’t apply for 2024 returns. Look to federal CTC and the federal Child and Dependent Care Credit, and check if you qualify for Utah’s small At‑Home Parent credit (below). (incometax.utah.gov)

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Federal Child & Dependent Care Credit (CDCTC) and Dependent Care FSA

• The federal CDCTC is up to 35% of work‑related childcare expenses, on up to $3,000\ast \ast (onechild)or\ast \ast$6,000 (two or more). The percentage drops as income rises and bottoms at 20% for AGI over $43,000. It is nonrefundable. File Form 2441; you must list your provider’s info (Form W‑10). (irs.gov)
• Dependent Care FSA (through your employer) lets you pay qualifying care costs pre‑tax, generally up to $5,000\ast \ast peryear(or\ast \ast$2,500 MFS). FSAs reduce what you can claim for the credit. (irs.gov)

Utah does not currently offer a separate state child/dependent care credit. (taxcreditsforworkersandfamilies.org)

Real‑world example: If you paid $6,000\ast \ast fordaycarefortwokidsandyourAGIisabove\ast \ast$43,000, your federal credit is 20% × $6,000=$1,200 (but reduced by any Dependent Care FSA you used). (irs.gov)

What to do if this doesn’t work: Ask your provider for a year‑end statement and SSN/EIN; without provider info, the credit can be denied. If expenses were paid with assistance or an FSA, adjust your claim. If cash‑only care left no paper trail, start collecting receipts going forward and consider switching to a provider who can issue statements. (irs.gov)

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Other federal credits Utah single moms commonly use

• American Opportunity Tax Credit (AOTC): up to $2,500\ast \ast pereligiblestudent(first4yearsofpost‑secondary).Upto\ast \ast$1,000 can be refundable; income limits apply. Form 8863. (irs.gov)
• Lifetime Learning Credit (LLC): 20% of up to $10,000\ast \ast qualifiedtuition/feesperreturn(max\ast \ast$2,000), nonrefundable; broader coursework; income phaseouts apply. (irs.gov)

What to do if this doesn’t work: You can’t claim AOTC and LLC for the same student in the same year. If you were denied an education credit or EITC/CTC in a prior audit, you may need to attach Form 8862 to recertify. Reckless or fraudulent claims can trigger 2–10 year bans. (irs.gov)

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Filing status and “qualifying child” reality check (Utah‑focused)

• Head of Household (HOH) generally requires you were unmarried or “considered unmarried,” paid over half the cost of keeping up your home, and had a qualifying person live with you more than half the year (with exceptions for a dependent parent). Documentation matters—leases, school/medical records, and mail to your address help. (irs.gov)
• “Qualifying child” rules under the IRS decide both EITC and CTC. Relationship, age, residency, SSN, and joint‑return rules apply. If the child lived with you and another parent, read the special rules carefully to avoid both claiming the same child. (irs.gov)

What to do if this doesn’t work: If your ex also claims your child, the IRS will likely send letters asking for proof. Respond on time. If you need an in‑person appointment, call 844‑545‑5640. Keep copies of school records, leases, and medical records with addresses and dates. (irs.gov)

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Timelines, refunds, and where to check

• IRS: If you claim EITC/ACTC, your refund can’t be issued before mid‑February. Most early, accurate returns show a status date by about February 22 and deposit around early March. Use Where’s My Refund?. (irs.gov)
• Utah: The Tax Commission cannot issue refunds before March 1 and asks you to allow 120 days from March 1 or from when you filed (whichever is later). Check status in Utah TAP’s “Where’s My Refund?” tool. (tax.utah.gov, incometax.utah.gov)
• Filing deadlines: Federal and Utah 2024 returns were due April 15, 2025. Utah grants an automatic 6‑month extension to file (to October 15, 2025) if you prepaid as required; it is not an extension to pay. (incometax.utah.gov)

What to do if this doesn’t work: If a refund is outside these windows, call the IRS or Utah Tax Commission with your return info ready. For state checks older than 30 days after issue, the Utah Department of Finance can help at 801‑957‑7760. (finance.utah.gov)

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Free and safe filing help in Utah

• Book a free VITA appointment with Utah’s statewide coalition: Earn It. Keep It. Save It. Utah – VITA appointments. Or find a nearby site list here: Find a Utah VITA site. (earnitkeepitsaveitutah.org)
• National VITA/TCE locator: call 800‑906‑9887 (VITA) or 888‑227‑7669 (AARP Tax‑Aide, seniors). (taxpayeradvocate.irs.gov)
• IRS Free File and e‑filing options are available if you want to do it yourself. IRS “Direct File” is available in 25 states in 2025; Utah is not on that list, so you’ll still need to file your Utah state return separately through state‑supported tools. (irs.gov)

What to do if this doesn’t work: If you need face‑to‑face IRS help, call 844‑545‑5640 for a TAC appointment. If you’re receiving confusing IRS letters or are in hardship, the Taxpayer Advocate Service has a Salt Lake City office; start at the TAS “Contact Us” page. (irs.gov)

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ITINs and mixed‑status families

• To claim the federal EITC, you (and your spouse if MFJ) must have valid SSNs; ITIN holders are not eligible for EITC. For the federal CTC/ACTC, each child must have an SSN, but the parent may have an SSN or ITIN. (irs.gov)
• If you need an ITIN, use Form W‑7 and apply by mail, through a Certifying Acceptance Agent (CAA), or at a designated IRS Taxpayer Assistance Center. Typical processing is 7 weeks (up to 11 during peak season). TAC ITIN appointments: 844‑545‑5640. (irs.gov)
• Utah’s state CTC requires federal CTC eligibility; if your child lacks an SSN, you cannot claim Utah’s state CTC for that child. (incometax.utah.gov)

What to do if this doesn’t work: Make a CAA or TAC appointment so your original ID documents can be verified and returned on the spot. Bring your completed W‑7, tax return, and required proofs. (irs.gov)

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Utah tax credits that might help (beyond EITC/CTC)

• At‑Home Parent Credit: $100 per child age 12 months or younger (nonrefundable; income limits apply). Code “01.” Read eligibility carefully. (incometax.utah.gov)
• Utah does not have a separate state Child & Dependent Care credit for parents. (taxcreditsforworkersandfamilies.org)

What to do if this doesn’t work: If you don’t qualify for Utah credits, focus on federal credits and make sure you’re using the Dependent Care FSA if your employer offers it. (irs.gov)

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Quick Reference Cheat Sheet (2024 filings unless noted)

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Utah and federal refund tools, deadlines, and how to follow up

• Federal refund status: Where’s My Refund?. PATH Act holds EITC/ACTC refunds until mid‑Feb; many early filers see funds by the first week of March. (irs.gov)
• Utah refund status: Utah TAP – Where’s My Refund?. Utah cannot issue refunds before March 1; allow 120 days. For problems with mailed checks >30 days old, call 801‑957‑7760 (Utah Division of Finance). (tax.utah.gov, incometax.utah.gov, finance.utah.gov)
• Due dates & extensions: Utah 2024 returns due April 15, 2025; extension to October 15, 2025 if you prepaid as required. This is an extension to file, not to pay. (incometax.utah.gov)

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Application Checklist (print or screenshot)

• Government‑issued photo ID and SSNs for you and kids; ITIN/ATIN if applicable. (irs.gov)
• All W‑2s, 1099s (if any), Social Security (SSA‑1099), unemployment (1099‑G), interest (1099‑INT).
• Childcare provider name, address, and SSN/EIN, plus total paid. Keep receipts. (irs.gov)
• Proof your child lived with you over half the year (school or medical records, lease with your name and address).
• For Utah EITC: Utah W‑2 wages (box 16) and your federal EITC amount from Form 1040, line 27. (incometax.utah.gov)
• Direct deposit routing and account numbers.
• Prior‑year AGI (if e‑filing) and any IRS letters you received (CP75/CP79A/CP75C). (irs.gov)

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Common Mistakes to Avoid

• Claiming a child who didn’t live with you more than half the year or who lacks a valid SSN (for CTC) at filing deadline. (irs.gov)
• Using head‑of‑household without paying over half the home costs or without a qualifying person. (irs.gov)
• Forgetting Utah’s W‑2 requirement for the Utah EITC (self‑employment income alone doesn’t qualify). (incometax.utah.gov)
• Not listing childcare provider details on Form 2441 (the IRS can deny the CDCTC). (irs.gov)
• Ignoring IRS letters about your credits; bans of 2–10 years are possible for reckless or fraudulent claims. (irs.gov)

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Diverse Communities: practical notes and Utah resources

• LGBTQ+ single mothers: Filing status and “qualifying child” rules are the same; keep proof of residency and support. For inclusive local support and referrals statewide, call 2‑1‑1 or 888‑826‑9790 (M–Su, 8 a.m.–6 p.m.). (211utah.org)
• Single mothers with disabilities or with disabled children: You may qualify for the EITC even without a child; disability payments can affect “earned income” rules. Keep care and medical expense records for CDCTC and education credits. VITA sites can help at no cost. 800‑906‑9887. (irs.gov)
• Veteran single mothers: Use free MilTax and VITA. Check AOTC/LLC for school or job training. 800‑906‑9887 (VITA). (irs.gov)
• Immigrant/refugee single moms: If you need an ITIN, apply with Form W‑7; some IRS TACs verify documents in person. Appointment line: 844‑545‑5640. Catholic Community Services offers immigration help (801‑977‑9119). (irs.gov, ccsutah.org)
• Tribal‑specific resources: Urban Indian Center of Salt Lake (801‑486‑4877 / 866‑687‑4942) offers culturally centered services and can help with referrals. In San Juan County, Utah Navajo Health System clinics serve families (e.g., Montezuma Creek 435‑651‑3700, Blanding 435‑678‑0700, Monument Valley 435‑727‑3000). (uicsl.org, unhsinc.org)
• Rural single moms (long drives, limited internet): Use phone scheduling for VITA, mail‑in options where offered, and keep scanned photos of documents. Call VITA locator (800‑906‑9887) and 2‑1‑1 (888‑826‑9790). (irs.gov, 211utah.org)
• Single fathers: Same credit rules apply. Head‑of‑household and qualifying child documentation are the same as above. (irs.gov)
• Language access: IRS offers over‑the‑phone interpreters at TACs and VITA/TCE; you can request notices in another language (Schedule LEP). (irs.gov)

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Local Utah organizations (keep these handy)

• Utah 211 (statewide referrals for childcare, utilities, food, shelters): 2‑1‑1 or 888‑826‑9790; text your ZIP to 801‑845‑2211. (211utah.org)
• Utah Tax Commission (state income tax, refunds, TAP): 801‑297‑2200 or 800‑662‑4335; Offices & contacts. (incometax.utah.gov)
• YWCA Utah (24/7 domestic violence crisis line; shelter; support): 801‑537‑8600. (ywcautah.org)
• Catholic Community Services (refugee/immigration, food, baby items): SLC 801‑977‑9119; Ogden 801‑394‑5944. (ccsutah.org)
• Urban Indian Center of Salt Lake: 801‑486‑4877; toll‑free 866‑687‑4942. (uicsl.org)
• Utah Navajo Health System (San Juan County clinic network): Montezuma Creek 435‑651‑3700; Blanding 435‑678‑0700; Monument Valley 435‑727‑3000. (unhsinc.org)

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Utah by the numbers: EITC in our state

• In tax year 2023 (processed in 2024), about 163,000 Utah returns claimed the EITC, totaling around $401million\ast \ast ;averageEITCwasabout\ast \ast$2,462. Utah’s participation rate hovers in the mid‑70% range—meaning many eligible families still miss out each year. (eitc.irs.gov)

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Step‑by‑step: How to claim each credit (Utah edition)

• Federal EITC
  • Use the IRS EITC table to confirm eligibility; gather SSNs and proof of residency.
  • File Form 1040 and Schedule EIC (if claiming kids). Choose direct deposit.
  • Expect PATH Act hold until mid‑February; most early filers see funds by early March. (irs.gov)
• Utah EITC
  • After your federal EITC is calculated, compute 20%, compare with your total Utah W‑2 wages (box 16), and take the lesser amount. Enter on TC‑40A, code AM. Nonrefundable. (incometax.utah.gov)
• Federal CTC/ACTC
  • Use Schedule 8812. Confirm each child has a valid SSN. Refundable up to $1,700 (2024 and 2025). (irs.gov)
• Utah CTC
  • Confirm child age 1–3 at year‑end and federal CTC eligibility. Compute phase‑out (10% of MAGI over threshold). Enter on TC‑40A, code AT. (incometax.utah.gov)
• Federal CDCTC
  • Keep receipts and provider SSN/EIN. File Form 2441 with your 1040. Nonrefundable. (irs.gov)
• Education credits
  • Form 8863 for AOTC/LLC. Watch income limits and pick the one credit per student per year. (irs.gov)

What to do if this doesn’t work: If a credit is denied, read the IRS letter. If the denial wasn’t a simple math error, you’ll likely need Form 8862 next time. Be careful—reckless/fraudulent claims can trigger 2–10 year bans. (irs.gov)

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Tables you can skim fast

Table: Federal EITC — 2024 vs 2025 (single/HOH)

Sources: IRS EITC tables (2024) and Rev. Proc. 2024‑45 (2025). (irs.gov)

Table: Utah EITC — how it’s calculated

Source: Utah State Tax Commission. (incometax.utah.gov)

Table: Child Tax Credits (2024 filings; 2025 noted)

Sources: IRS Schedule 8812 instructions; Utah Tax Commission; HB 170; Rev. Proc. 2024‑45. (irs.gov, incometax.utah.gov, le.utah.gov)

Table: Child & Dependent Care — quick math

Source: IRS Pub. 503. (irs.gov)

Table: Deadlines and refund timing

Sources: IRS refund timing; Utah Tax Commission. (irs.gov, incometax.utah.gov)

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10 Utah‑specific FAQs (with quick answers)

• Do I qualify for the Utah EITC if I only have self‑employment income (no W‑2)?
  No. Utah requires Utah W‑2 wages; the state credit is capped by W‑2 box 16 and is nonrefundable. Claim the federal EITC if you qualify. (incometax.utah.gov)
• My child is 2 years old. Can I claim Utah’s CTC and the federal CTC together?
  Yes, if you qualify for the federal CTC and your child was age 1–3 on 12/31/2024. Utah’s credit is $1,000 per child, nonrefundable, and phases out as income rises. (incometax.utah.gov)
• What if my child has an ITIN but not an SSN?
  You cannot claim the federal CTC/ACTC for that child. You also won’t qualify for Utah’s CTC for that child. You may be able to claim the federal Credit for Other Dependents. (irs.gov)
• When will I get my federal refund if I claimed EITC?
  By law, not before mid‑February. Many early, accurate returns get updated by about Feb 22 and deposit the first week of March. Check “Where’s My Refund?” daily. (irs.gov)
• How long do Utah state refunds take?
  Utah cannot issue before March 1, then allow up to 120 days for processing. Track in TAP. (incometax.utah.gov)
• I’m head of household. What proof should I keep?
  Leases, utility bills, school or medical records showing your child’s address over half the year, and proof you paid more than half of home costs. (irs.gov)
• Can I use the IRS’s new Direct File in Utah?
  In 2025, Direct File is available in 25 states; Utah is not on the list. You can still use IRS Free File and VITA, then file your Utah return through the state system or approved software. (irs.gov)
• Where can I get free in‑person help near me?
  VITA sites statewide: book via Earn It. Keep It. Save It. Utah or call 800‑906‑9887. Seniors can also use AARP Tax‑Aide at 888‑227‑7669. (earnitkeepitsaveitutah.org, taxpayeradvocate.irs.gov)
• The IRS denied my EITC last year. What now?
  You may need to attach Form 8862 to claim again. Reckless claims can trigger a 2‑year ban; fraudulent claims can trigger a 10‑year ban. (irs.gov)
• Is there data showing EITC’s impact in Utah?
  Yes. For TY2023, around 163,000 Utah returns claimed $401million\ast \ast ,averaging\ast \ast$2,462. Utah’s participation rate is in the mid‑70% range. (eitc.irs.gov)

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What to do if you hit a wall (Plan B options)

• Call the IRS at 800‑829‑1040 or book an in‑person TAC appointment at 844‑545‑5640 for identity, refund, or letter issues. (irs.gov)
• For Utah state returns and refunds, call 801‑297‑2200 or 800‑662‑4335, or use TAP. (incometax.utah.gov)
• If you’re in hardship and your case is stuck after trying normal channels, contact the Taxpayer Advocate Service (TAS) via the TAS website; TAS has a Salt Lake City office. (taxpayeradvocate.irs.gov)
• For safety planning, shelter, or legal advocacy while you file, YWCA Utah’s 24/7 line is 801‑537‑8600 (confidential). (ywcautah.org)

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About This Guide

Compiled by the ASingleMother.org Editorial Team
This guide uses official sources from Utah Department of Human Services, USDA, HUD, and established nonprofits.
This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed.
Last verified September 2025, next review April 2026.
Please note that despite our careful verification process, errors may still occur – email info@asinglemother.org with corrections and we respond within 72 hours.

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Disclaimer

• Tax laws, credit amounts, forms, and deadlines change. Always confirm with the IRS, the Utah State Tax Commission, or a qualified tax professional before you file.
• We link only to official or well‑established sources, but sites can change. Use caution with personal data: file only through trusted, official channels (IRS.gov, incometax.utah.gov, or VITA sites). Keep your device and connection secure when uploading tax documents.
• This guide is informational, not legal or tax advice.
• Security note: Use strong passwords, enable MFA on IRS and state accounts, and never share your bank login by text or email. Check that any site begins with https:// and shows a lock icon.

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Sources used in this guide include:

• IRS EITC 2024 income limits and amounts; EITC tables; refund timing policy. (irs.gov)
• IRS inflation adjustments for 2025 EITC and ACTC (Rev. Proc. 2024‑45). (irs.gov)
• Utah State Tax Commission: Utah EITC (code AM), Utah CTC (code AT), At‑Home Parent credit, due dates/extensions, refunds, TAP “Where’s My Refund?”, contacts. (incometax.utah.gov)
• IRS Pub. 503 (CDCTC & FSA), Schedule 8812 instructions (CTC/ACTC/SSN rules), Pub. 504 (HOH). (irs.gov)
• EITC participation and Utah statistics. (eitc.irs.gov)
• VITA/TCE help and Earn It. Keep It. Save It. Utah. (irs.gov, earnitkeepitsaveitutah.org)
• ITIN application and TAC verification process. (irs.gov)
• Local organizations: 211 Utah, YWCA Utah, Catholic Community Services, UICSL, UNHS. (211utah.org, ywcautah.org, ccsutah.org, uicsl.org, unhsinc.org)

If you spot anything that looks outdated or off, email info@asinglemother.org and we’ll verify and correct fast.

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Learn more:

1. Earned income and Earned Income Tax Credit (EITC) tables | Internal Revenue Service
2. Earned Income Tax Credit
3. Child Tax Credit
4. Utah Legislature HB0170
5. When to expect your refund if you claimed the Earned Income Tax Credit or Additional Child Tax Credit | Internal Revenue Service
6. Refunds
7. Schedule a VITA Appointment : File Taxes for Free : Earn it! Keep it! Save it! Utah
8. Topic no. 101, IRS services – Volunteer tax assistance, outreach programs and identity theft | Internal Revenue Service
9. Here’s what taxpayers should know before visiting an IRS office | Internal Revenue Service
10. IRS: Don’t overlook free options for preparing and filing taxes in 2025; Direct File available in 25 states | Internal Revenue Service
11. Who Qualifies for the Earned Income Tax Credit (EITC) | Internal Revenue Service
12. Where’s My Refund?
13. Contact Information
14. Internal Revenue Bulletin: 2024-45 | Internal Revenue Service
15. Qualifying child rules | Internal Revenue Service
16. Publication 504 (2024), Divorced or Separated Individuals | Internal Revenue Service
17. 2024 Instructions for Schedule 8812  (2024) | Internal Revenue Service
18. Instructions for Form W-7 (12/2024) | Internal Revenue Service
19. Publication 503 (2024), Child and Dependent Care Expenses | Internal Revenue Service
20. https://www.taxcreditsforworkersandfamilies.org/state/utah/
21. AOTC | Internal Revenue Service
22. Publication 970 (2024), Tax Benefits for Education | Internal Revenue Service
23. What to do if we deny your claim for a credit | Internal Revenue Service
24. Extensions and Prepayments
25. Tax refund help | Division of Finance
26. Volunteer Income Tax Assistance for the Elderly – TAS
27. At-Home Parent
28. Understanding your CP79A notice | Internal Revenue Service
29. Find Resources and Help with Utah 211
30. IRS Taxpayer Assistance Centers providing in-person ITIN document review | Internal Revenue Service
31. Catholic Community Services – Contact Catholic Community Services of Utah
32. Contact Us – Urban Indian Center of Salt Lake
33. Locations – Utah Navajo Health System Inc.
34. Publication 596 (2024), Earned Income Credit (EIC) | Internal Revenue Service
35. Survivor Services — YWCA Utah | Child Care | Case Management | Food Services
36. Statistics for tax returns with the Earned Income Tax Credit (EITC) | Earned Income Tax Credit
37. American Opportunity Tax Credit | Internal Revenue Service
38. IRS Direct File for free | Internal Revenue Service
39. Taxpayer Advocate Service Partners with IRS to Provide Face-to-Face – TAS

🏛️More Utah Resources for Single Mothers

Explore all assistance programs in 34 categories available in Utah

• 📋 Assistance Programs
• 💰 Benefits and Grants
• 👨‍👩‍👧 Child Support
• 🌾 Rural Single Mothers Assistance
• ♿ Disabled Single Mothers Assistance
• 🎖️ Veteran Single Mothers Benefits
• 🦷 Dental Care Assistance
• 🎓 Education Grants
• 🍎 SNAP and Food Assistance
• 🔧 Job Training
• ⚖️ Legal Help
• 🧠 Mental Health Resources
• 🚗 Transportation Assistance
• 💼 Job Loss Support & Unemployment
• ⚡ Utility Assistance
• 🥛 WIC Benefits
• 🏦 TANF Assistance
• 🏠 Housing Assistance
• 👶 Childcare Assistance
• 🏥 Healthcare Assistance
• 🚨 Emergency Assistance
• 🤝 Community Support
• 🎯 Disability & Special Needs Support
• 🛋️ Free Furniture & Household Items
• 🏫 Afterschool & Summer Programs
• 🍼 Free Baby Gear & Children's Items
• 🎒 Free School Supplies & Backpacks
• 🏡 Home Buyer Down Payment Grants
• 🤱 Postpartum Health & Maternity Support
• 👩‍💼 Workplace Rights & Pregnancy Protection
• 💼 Business Grants & Assistance
• 🛡️ Domestic Violence Resources & Safety
• 💻 Digital Literacy & Technology Assistance
• 🤱 Free Breast Pumps & Maternity Support
• 📈 Credit Repair & Financial Recovery