Is it worth going back to work?
See what a second income leaves after taxes, childcare and commuting.
Open calculator: Worth workingA childcare budget tool
Compare your income with published state limits and find the application.
The next step
Enter your income and confirmed care costs, then calculate to see the result and the steps behind it.
Household income alongside the published state screening limit
Official ACF initial screening limits for families of three and four, from FY 2025–2027 plans submitted in 2024. We identify the publication date and link to current applications.
Copays, assets, work or school activity, local rules and funding are not decided by this tool.
Explore another question
Your care quote is a starting point. These tools help with the choices that follow.
See what a second income leaves after taxes, childcare and commuting.
Open calculator: Worth workingCompare center, home-based care, a nanny and a nanny share—including employer taxes.
Open calculator: Daycare vs. nannyCompare federal tax benefits with the rules for 2025 and 2026.
Open calculator: FSA vs. tax creditCompare your income with published state limits and find the application.
Open calculator: Subsidy income check