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Dependent Care Flexible Spending Accounts (FSAs)

DEPENDENT CARE FSAs
Save and pay

Use the money to care for your family

Like other FSAs, the dependent care FSA allows you to fund your account with pretax dollars. But this account is for eligible child and adult care expenses. This includes preschool, nursery school, day care, before and after school care and summer day camp. It's the care your family needs, while you're at work. For detailed rules about dependent care FSAs, see IRS Publication 503

Pay yourself back during the year

Get some financial relief with a dependent care FSA. Contribute up to $5,000 pretax for the plan year. After your dependents receive care, you can submit claims to pay yourself back. Just be sure to use all your funds during the plan year. Unused funds won’t roll over to the next year.

Make it easy with the PayFlex Mobile® app

Always on the go? With the PayFlex Mobile app, you can view your balance, check account activity and submit claims in just a few taps. 

EVERY LITTLE BIT HELPS
Saving made simple for dependent care

With this tax savings calculator, you can plug in your numbersfootnote1 and see how much you might save with a dependent care FSA.

Total yearly eligible day care expenses
Average tax rate
21%
Potential tax savings2

footnoteFor best estimate, enter an amount less than or equal to the pretax contribution limit of $5,000.

 

COMMON ELIGIBLE DEPENDENT CARE EXPENSES
Tax-free spending on eligible dependent care expenses

Check out the list of common eligible dependent care expenses. Use the search bar to find specific services. Or you can click on the column headers in the table to see which are eligible or not eligible. 

 
 
FIND OUT IF AN EXPENSE IS ELIGIBLE
 

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COMMON QUESTIONS
Learn more about dependent care FSAs

 

footnote1You’ll want to add up your total dependent care expenses per year for children under 13, elderly parents, spouse or other relative(s) incapable of self-care who spend at least 8 hours each day in your home. Eligible expenses include preschool, nursery school, day care, care before and after school care and summer day camp. 

footnote2Savings estimates assume annual IRS FSA contribution limits or your total expenses, whichever is less. Talk with your employer to learn the exact limits for your plan. For this calculation, we used a savings of 21% to assume federal, state and social security taxes you may avoid with pretax contributions. This calculation is just an estimate. It isn’t tax advice. Ask your tax advisor to find out how much you might save by making pretax contributions. Actual tax savings depends on many things. Some of these include state and local tax rates, your tax bracket and the FICA tax rate.