Is it worth going back to work?
See what a second income leaves after taxes, childcare and commuting.
Open calculator: Worth workingChildcare budget tools
Put the numbers to work.
Four calculators for take-home pay after childcare, nanny employer costs, dependent care tax benefits and state subsidy income limits.
Daycare vs. nanny
Compare center, home-based care, a nanny and a nanny share—including employer taxes.
Open calculator: Daycare vs. nannyDependent care FSA vs. tax credit
Compare federal tax benefits with the rules for 2025 and 2026.
Open calculator: FSA vs. tax creditChildcare subsidy income check
Compare your income with published state limits and find the application.
Open calculator: Subsidy income checkA cash-flow view, with clear assumptions.
Enter your own quotes and circumstances. Tax tools use simplified federal rules and your state-tax assumption. They show the math and its limits beside the result.
Read about tax benefits