Dependent Care Flexible Spending Account

(with grace period)

Save up to $1,000 on taxes when you elect DCFSA1 

Turn caregiving into tax savings

A DCFSA lets you use tax-free money to pay for eligible dependent care expenses.2 A qualifying ‘dependent’ may be a child under age 13, a disabled spouse, or an older parent in eldercare. DCFSA paycheck deductions are tax-free too, which helps reduce your taxable income. The more you contribute, the more you save.

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Access funds as you make contributions.

Enjoy fast, hassle-free reimbursement.

Enjoy a full year to spend your account funds

Don’t tax your money. Max your money. 

Get $20 tax savings for every $100 you contribute.1

DCFSA

No DCFSA

2025 IRS contribution limits3

$5,000

Spend tax-free.

There are so many eligible expenses. Here are just few: 

Daycare

Daycare

Preschool

Preschool

Babysitter

Doctor's Office

Nursery school

School programs

Before/after school programs

Summer camp

Summer day camp

Eldercare

Elder daycare

View eligible expenses

DCFSA resources

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Easily find answers to common questions about your benefits.   

Help Center
HSA guide

Plan your spending, know the rules and unlock amazing tax savings.

DCFSA Guide
Webinars

Not sure if an FSA is right for you? Explore our on-demand FSA webinars.  

Webinars

1The example is for illustrative purposes only. Estimated savings are based on a maximum annual contribution and an assumed combined federal and state income tax bracket of 20%. Actual savings will depend on your contribution amount and taxable income and tax status. | 2DCFSAs are never taxed at a federal income tax level when used appropriately for eligible dependent care expenses. Also, most states recognize DCFSA funds as tax deductible with very few exceptions. Please consult a tax advisor regarding your state’s specific rules. | 3Contribution limit is accurate as of 10/22/2024. Each fall the IRS updates the DCFSA contribution limits. For the latest information, please visit: HealthEquity.com/Learn | HealthEquity does not provide legal, tax or financial advice.

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