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DCFSA vs Dependent Care Credit 2026: Which Cuts Your Daycare Bill More?
The Dependent Care FSA caps at $5,000 of pre-tax dollars. The Dependent Care Credit gives you a 20–35% credit on up to $3,000 ($6,000 with two kids). Below ~$45K AGI the credit usually wins; above it, the FSA does — but the rules are quirkier than the IRS makes them sound.
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