Dependent Care Credit vs FSA Optimizer (2025)

Use our free Dependent Care Credit vs FSA Optimizer to compare the Child and Dependent Care Tax Credit (CDCTC) with a Dependent Care FSA (DCFSA). Enter your AGI, childcare expenses, and tax details to find out which option saves you the most.

Adjusted Gross Income (AGI) ($):

Your AGI is your total income minus adjustments. Found on IRS Form 1040, line 11.

Filing Status: Single Married Filing Jointly Married Filing Separately Head of Household

Choose your IRS filing status.

Number of Qualifying Children:

Children under 13 (or disabled dependents) who need care so you can work.

Actual Childcare Expenses ($):

Enter your total eligible childcare costs (daycare, after-school care, etc.).

Employer DCFSA Limit ($):

Most employers cap at $5,000 per household ($2,500 if Married Filing Separately).

State/Local Tax Rate (%):

Optional: Enter your combined state/local income tax rate (e.g., 5 for 5%).

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