pay-taxes

Child and Dependent Care Credit — Get a Tax Credit for Care That Lets You Work

Difficulty Easy Risk Low Applies To All Potential Savings Hundreds to thousands of dollars depending on expenses and income Last Verified 2026-04-03

Child and Dependent Care Credit — Get a Tax Credit for Care That Lets You Work

What Is It?

The Child and Dependent Care Credit can reduce federal tax when you pay for care for a qualifying child or other qualifying person so you can work or look for work.

What Most People Don’t Know

  • This is different from a dependent care FSA.
  • The qualifying person can be more than a child under 13, such as a disabled spouse or dependent incapable of self-care.
  • You must identify the care provider on the return.

Frequently Asked Questions

Is this only for daycare for young children?


A: No. The IRS says a qualifying person can also include a disabled spouse or dependent who is incapable of self-care.

Do I need earned income?


A: Generally yes. The IRS says you and your spouse, if filing jointly, generally must have earned income unless a special rule applies.

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