Dependent Care FSA Calculator (2026)
See how much you'll save in federal, Social Security/Medicare, and state taxes by paying for childcare through a Dependent Care FSA.
What Is a Dependent Care FSA?
A Dependent Care FSA (DCFSA) is an employer benefit that lets you set aside up to $5,000 per year, pre-tax, to pay for eligible childcare so you (and your spouse) can work. Because the money comes out before income and payroll taxes, every dollar you run through the account is a dollar that isn't taxed — that's where the savings come from.
Eligible expenses include daycare, preschool, before/after-school care, day camps, and a nanny's wages (if paid legally) for children under 13.
How the Savings Add Up
Your savings equal your contribution multiplied by your combined marginal tax rate — federal income tax + FICA (7.65%) + state income tax:
| Federal Bracket | + FICA | + State (~5%) | Savings on $5,000 |
|---|---|---|---|
| 12% | 7.65% | 5% | ~$1,233 |
| 22% | 7.65% | 5% | ~$1,733 |
| 24% | 7.65% | 5% | ~$1,833 |
| 32% | 7.65% | 5% | ~$2,233 |
Illustrative; your state rate and bracket may differ. Use the calculator above for your numbers.
DCFSA vs. the Childcare Tax Credit
You can use both, but not on the same dollars. Fund the FSA up to $5,000 first (it usually saves more per dollar), then apply any remaining expenses — up to the $6,000 cap for two or more children — to the Child & Dependent Care Credit. Our FSA vs. credit guide shows which order wins for your bracket.
Frequently Asked Questions
How much can I save with a Dependent Care FSA?
Your savings equal your contribution times your combined tax rate. Contributing the $5,000 maximum typically saves $1,500–$2,300 — federal income tax at your bracket, FICA (7.65%), and state income tax. Higher brackets save more.
How much can I contribute in 2026?
Up to $5,000 per household ($2,500 if married filing separately). It's a household cap, so two working spouses still share one $5,000 limit. Elect your amount during open enrollment.
Can I use a DCFSA and the childcare tax credit together?
Yes, but not on the same expenses. The FSA covers up to $5,000 pre-tax; remaining costs up to the $6,000 (two+ children) cap can still count toward the credit.
What happens to unused funds?
DCFSAs are use-it-or-lose-it. Unused money at the end of the plan year (plus any grace period) is generally forfeited, so elect an amount you're confident you'll spend.
See Your Full Childcare Cost & Savings
Enter your zip code to combine local childcare prices with your FSA and tax-credit savings in one estimate.
Open the Cost Calculator