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Family & Home/Childcare Cost Calculator

Childcare Cost Calculator

Compare daycare types, estimate annual costs, and calculate tax savings with CDCTC and Dependent Care FSA.

CARE COSTS6 care typesState adjustedCDCTC savingsFSA savings
$
$
Leave 0 to use average
$23,868annual childcare cost
29.8% of household income
📊 Cost Breakdown
Weekly per Child$459
Monthly per Child$1,987
Monthly (1 children)$1,987
Annual (1 children)$23,868
💰 Tax Savings Options
CDCTC Credit−$982
Dep. Care FSA−$1,483
Best Option−$1,483
💡 You can use CDCTC or FSA — not both for the same expenses. Pick the higher savings.
Net Annual Cost$22,386
Net Monthly Cost$1,865
Data Source & Legal Disclaimer
Effective: 2026 tax yearLast updated: 6 months agoUpdate: Annual
Sources: ChildCare Aware — Cost of Care · IRS — CDCTC

Weekly rates are national averages adjusted by state. Actual costs vary significantly by location and provider. Tax savings simplified — consult a tax professional.

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