Education Credit Calculator (AOTC & LLC)
2026Compare American Opportunity and Lifetime Learning credits. See which saves more for your situation.
AOTC Credit
$2,500.00
Lifetime Learning Credit
$1,200.00
Recommended
AOTC
American Opportunity Tax Credit (AOTC)
| Credit per Student | $2,500.00 |
| Total Credit (1 student) | $2,500.00 |
| Refundable Portion (40%) | $1,000.00 |
| Non-Refundable Portion (60%) | $1,500.00 |
| Phase-Out Applied | None |
Lifetime Learning Credit (LLC)
| Credit Amount | $1,200.00 |
| Max per Return | $2,000 (not per student) |
| Refundable? | No (non-refundable only) |
| Phase-Out Applied | None |
Credit Comparison
| AOTC | $2,500.00 (40% refundable) |
| LLC | $1,200.00 (non-refundable) |
| Best Choice | AOTC (higher credit, partially refundable) |
Per-Student Cost Analysis
| Qualified Expenses per Student | $6,000.00 |
| Total Qualified Expenses | $6,000.00 |
| Best Credit Available | $2,500.00 |
| Net Cost After Credit | $3,500.00 |
Use the Education Credit Calculator (AOTC & LLC) above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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