Your Family Details
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👨👩👧 Family & Income
Include yourself, children, and anyone living with you full-time.
$
Add all income sources: wages, child support, self-employment. Use before-tax amounts.
👶 Childcare Costs
Children must be under 13, or under 18 with a documented disability.
$
The total amount your provider charges per month. Average Georgia daycare: ~$900–$1,400/mo per child.
🧾 Tax Situation
$
Max $5,000/year (joint or single) or $2,500 (filing separately). Most families max this out.
$
Some employers add money to your FSA. Enter $0 if yours doesn't.
Your True Monthly Cost
Updates live as you fill in your details
Gross monthly childcare cost
What your provider charges
$1,200
✅ CAPS Eligible
CAPS covers
Georgia childcare subsidy
-$1,075
Your share after CAPS
$125
Tax Savings (applied to your out-of-pocket)
Dependent Care FSA
Pre-tax savings each month
-$17
Federal Care Credit
IRS Form 2441
-$5
Georgia State Credit
30% of federal credit (Form 500)
-$1
✨ True Monthly Cost
$102
You're saving $1,098/mo vs. full price
$13,176 saved per year
Estimates only.
Results are based on 2026 Georgia DECAL income guidelines, IRS rules, and Georgia Form 500 rates. Your actual co-pay is set by DECAL during application review. Tax savings depend on your complete tax situation. Consult a tax professional before making financial decisions. Independent resource — not affiliated with DECAL or the State of Georgia.