Childcare Cost Budget Calculator
Estimate weekly, monthly and annual daycare or nanny costs for one or more children, including sibling discounts and dependent care FSA tax savings.
- 100% free
- Private in browser
- No signup
- No watermarks
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About Childcare Cost Budget Calculator
Plan your childcare budget. Enter the weekly rate, number of children, sibling discount and weeks of care per year to see what daycare costs each week, month and year — and how much a dependent care FSA could save in taxes.
How to use Childcare Cost Budget Calculator
- Enter how many children need care and the weekly rate per child.
- Add any sibling discount and the number of weeks of care per year.
- Enter your dependent care FSA contribution and tax rate to see the net cost.
Key features
- Sibling discount for additional children
- Weekly, monthly and annual totals
- Dependent care FSA tax savings
- Adjustable weeks of care
- Runs in your browser
Frequently asked questions
- How is the monthly cost calculated?
- Annual cost (weekly cost × weeks of care) is divided by 12, so months with more weeks are averaged out.
- How does the sibling discount work?
- The first child pays the full weekly rate. Each additional child gets the discount you enter.
- What is a dependent care FSA?
- A pre-tax account for childcare expenses. Money contributed avoids income tax and FICA, so the savings are roughly your contribution × your marginal tax rate.
- What is the dependent care FSA limit?
- For 2026 the household limit is $7,500 ($3,750 if married filing separately). Check your employer plan.
- Is my data private?
- Yes. All calculations happen in your browser.
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