Dependent Care Flexible Spending Account

Save up to $1,500 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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Enjoy fast, hassle-free reimbursement.

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Access funds as you make contributions.

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

2026 IRS contribution limits3

$7,500

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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HSA guide

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DCFSA Guide
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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 effective 1/1/2026. For the latest information, please visit: HealthEquity.com/Learn | HealthEquity does not provide legal, tax or financial advice.

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