我们两个小孩都上daycare,我知道如果你claim了fsa的dependent care 就不能claim标 准的dependent care, 象我们这种情况还需要存5000刀到fsa省税吗?谢谢各 位妈妈!
C*e
2 楼
太不同步了吧
i*r
3 楼
depends on you effective tax rate. basically the 5k in FSA saves you tax rate times 5k. the dependent care credit you can get at least 600 assuming you pay at least 5k for daycare and you both have earned income. some examples: if your tax rate is 12%, it's same either way. tax rate at 10%, you'll be better off by using the credit since you'll get 100 more back, tax rate at 20%, then FSA saves you 400 more than credit.
l*g
4 楼
谢谢了,我们daycare两娃要1万多,哎挣得钱全交daycare了,看来我不用放fsa了
t*r
5 楼
这个讲的有点问题。存不存dfsa都是在最高税率上省税。不存的话一个娃免3000,up to 6000. 存了就up to 5000. 不记得两娃可不可以再claim 1000了
tax
【在 i*****r 的大作中提到】 : depends on you effective tax rate. basically the 5k in FSA saves you tax : rate times 5k. the dependent care credit you can get at least 600 assuming : you pay at least 5k for daycare and you both have earned income. some : examples: if your tax rate is 12%, it's same either way. tax rate at 10%, : you'll be better off by using the credit since you'll get 100 more back, tax : rate at 20%, then FSA saves you 400 more than credit.
i*r
6 楼
不对,放不放FSA是有差别的,根据税率的不同。我上面是给的一个宝宝的例子。现在 看两个宝宝的,如果你的AGI超过43k的话,大部分版上的都是吧,dependent care credit那就是6k乘以0.20的(if no FSA)。所以要是你的marginal tax rate小于0.20的 话,当然是不放FSA要划算,差的就是那个税率。反过来,如果marginal tax rate高过 20%的话,放FSA就更能省税,因为最多放5K,那dependent care credit还能拿6k-5k= 1K乘以0.2=$200。当然要是AGI少于15K,那当然是credit好,因为有35%嘛,不过应 该大部分这里的家庭都不适用的。
【在 t**********r 的大作中提到】 : 这个讲的有点问题。存不存dfsa都是在最高税率上省税。不存的话一个娃免3000,up : to 6000. 存了就up to 5000. 不记得两娃可不可以再claim 1000了 : : tax