a*******t
发帖数: 867 | 1 最近考虑了一下小孩的费用和税收的好处。以下是我的理解：
１。 Exemption： 3500刀的Deduction
２， Child credit+ addtional child credit： 1000 刀Credit
这两个大家都有吧？
３。 如果小孩上Day Care， 每个小孩还有3000刀的部分credit。 其比例从20%到35%
不等。
４。 如果小孩上Day Care， 家长的单位还有Child Care 的FSA的话，每个家长一般可
以搞 3000-5000刀的FSA来免税。两个家长最多可能10000刀。 这取决于工作单位。不
过，增加小孩数并不增加这个上限。
还有啥？请大侠补充。 |
f*****e
发帖数: 5177 | 2
$5000 per family.
【在 a*******t 的大作中提到】
: 最近考虑了一下小孩的费用和税收的好处。以下是我的理解：
: １。 Exemption： 3500刀的Deduction
: ２， Child credit+ addtional child credit： 1000 刀Credit
: 这两个大家都有吧？
: ３。 如果小孩上Day Care， 每个小孩还有3000刀的部分credit。 其比例从20%到35%
: 不等。
: ４。 如果小孩上Day Care， 家长的单位还有Child Care 的FSA的话，每个家长一般可
: 以搞 3000-5000刀的FSA来免税。两个家长最多可能10000刀。 这取决于工作单位。不
: 过，增加小孩数并不增加这个上限。
: 还有啥？请大侠补充。
|
az
发帖数: 16686 | 3
what is the difference from 1? additional for daycare? never heard
$5000 per family. i also heard you can only choose either 1 or 4, not both.
【在 a*******t 的大作中提到】
: 最近考虑了一下小孩的费用和税收的好处。以下是我的理解：
: １。 Exemption： 3500刀的Deduction
: ２， Child credit+ addtional child credit： 1000 刀Credit
: 这两个大家都有吧？
: ３。 如果小孩上Day Care， 每个小孩还有3000刀的部分credit。 其比例从20%到35%
: 不等。
: ４。 如果小孩上Day Care， 家长的单位还有Child Care 的FSA的话，每个家长一般可
: 以搞 3000-5000刀的FSA来免税。两个家长最多可能10000刀。 这取决于工作单位。不
: 过，增加小孩数并不增加这个上限。
: 还有啥？请大侠补充。
|
S*********w
发帖数: 53 | 4 2. If you can get full child credit, no more additional child credit is
available. If you cannot take full $1,000 child credit, you may get part or
full $1,000 depends on your situation.
3 if the spouse has job or full time student, it may have 20% child care
expense credit. If spouse is a full time house- wife to take care of baby,
no more child care expense credit can take. In this situation, it is better
to deduct childcare expense from FSA.
4. Each family can only get 3,000 - 5,000 FSA. You
【在 a*******t 的大作中提到】
: 最近考虑了一下小孩的费用和税收的好处。以下是我的理解：
: １。 Exemption： 3500刀的Deduction
: ２， Child credit+ addtional child credit： 1000 刀Credit
: 这两个大家都有吧？
: ３。 如果小孩上Day Care， 每个小孩还有3000刀的部分credit。 其比例从20%到35%
: 不等。
: ４。 如果小孩上Day Care， 家长的单位还有Child Care 的FSA的话，每个家长一般可
: 以搞 3000-5000刀的FSA来免税。两个家长最多可能10000刀。 这取决于工作单位。不
: 过，增加小孩数并不增加这个上限。
: 还有啥？请大侠补充。
|
a*******t
发帖数: 867 | 5
or
I agree. Max $1,000 for both credits combined.
better
So I can not claim FSA and child care credit at the same time? Is that right?
Can I calim FSA and exemption ($3,500) at the same time?
together
Now I see.
【在 S*********w 的大作中提到】
: 2. If you can get full child credit, no more additional child credit is
: available. If you cannot take full $1,000 child credit, you may get part or
: full $1,000 depends on your situation.
: 3 if the spouse has job or full time student, it may have 20% child care
: expense credit. If spouse is a full time house- wife to take care of baby,
: no more child care expense credit can take. In this situation, it is better
: to deduct childcare expense from FSA.
: 4. Each family can only get 3,000 - 5,000 FSA. You
|
a*******t
发帖数: 867 | 6
Line 48 in 1040.
Shangxinzzw says it cannot be claimed with FSA at the same time. Need to
check.
【在 az 的大作中提到】
:
: what is the difference from 1? additional for daycare? never heard
: $5000 per family. i also heard you can only choose either 1 or 4, not both.
|
S*********w
发帖数: 53 | 7 Q: So I can not claim FSA and child care credit at the same time? Is that
right?
A: No you can claim that at same time. let's take an example, let's say you
spend total child care expense $12,000 but you only have $5,000 FSA
available for each family. $5,000 will not show your W-1 box 1 any more. It
may be show box 10 of W-2. The $7,000*20% = 1,400 may be put into line 48 of
form 1040 depaends on how much tax you may own. This need attach Form 2441.
Remember this tax muct not be exceed your tax
【在 a*******t 的大作中提到】
:
: Line 48 in 1040.
: Shangxinzzw says it cannot be claimed with FSA at the same time. Need to
: check.
|
a*******t
发帖数: 867 | 8
you
It
of
2441.
I believe the calculation is wrong.
Even if you can claim FSA abd child care credit at the same time, you can
only claim maximun $3,000 * 20% (or whatever the ratio) = $600 (or up to $1,
050).
This is for one child. If there two or more children, you can double these
figures but not more increase.
You can not use the $7,000 for calculation.
【在 S*********w 的大作中提到】
: Q: So I can not claim FSA and child care credit at the same time? Is that
: right?
: A: No you can claim that at same time. let's take an example, let's say you
: spend total child care expense $12,000 but you only have $5,000 FSA
: available for each family. $5,000 will not show your W-1 box 1 any more. It
: may be show box 10 of W-2. The $7,000*20% = 1,400 may be put into line 48 of
: form 1040 depaends on how much tax you may own. This need attach Form 2441.
: Remember this tax muct not be exceed your tax
|
a*******t
发帖数: 867 | 9
you
It
of
2441.
这下清楚了。
如果Day Care 费用小于等于５K， 用FSA。 如果超出５K， 那么超出部分再抱Child
Care Credit，最高到３K（一个小孩）或６K（两个小孩或更多）。
这样看来一个小孩的Day Care费用８K最划算。
【在 S*********w 的大作中提到】
: Q: So I can not claim FSA and child care credit at the same time? Is that
: right?
: A: No you can claim that at same time. let's take an example, let's say you
: spend total child care expense $12,000 but you only have $5,000 FSA
: available for each family. $5,000 will not show your W-1 box 1 any more. It
: may be show box 10 of W-2. The $7,000*20% = 1,400 may be put into line 48 of
: form 1040 depaends on how much tax you may own. This need attach Form 2441.
: Remember this tax muct not be exceed your tax
|
S*********w
发帖数: 53 | 10 Thank you for pointing me mistake. My example is too big. There is ceil
limit somewhere. So we have to be careful.
Your undertsanding is very correct. Thank you for your summary.
【在 a*******t 的大作中提到】
:
: you
: It
: of
: 2441.
: 这下清楚了。
: 如果Day Care 费用小于等于５K， 用FSA。 如果超出５K， 那么超出部分再抱Child
: Care Credit，最高到３K（一个小孩）或６K（两个小孩或更多）。
: 这样看来一个小孩的Day Care费用８K最划算。
|
|
|
t****r
发帖数: 82 | 11 请问那个daycare的FSA是不是也是像医疗的FSA一样，提前放好，到时候用不完也拿不
回来了？
另外，如果一年的daycare费用小于三千，就不用放钱在单位的daycare FSA，直接用政
府的$3000 的部分credit就可以了？
谢谢！
【在 S*********w 的大作中提到】
: Thank you for pointing me mistake. My example is too big. There is ceil
: limit somewhere. So we have to be careful.
: Your undertsanding is very correct. Thank you for your summary.
|
w*******g
发帖数: 9932 | 12 yes and yes
【在 t****r 的大作中提到】
: 请问那个daycare的FSA是不是也是像医疗的FSA一样，提前放好，到时候用不完也拿不
: 回来了？
: 另外，如果一年的daycare费用小于三千，就不用放钱在单位的daycare FSA，直接用政
: 府的$3000 的部分credit就可以了？
: 谢谢！
|
t****r
发帖数: 82 | 13 谢谢！
【在 w*******g 的大作中提到】
: yes and yes
|
h*****z
发帖数: 4732 | 14 理解的不对
如果有超过３０００的Dependent care benefits，就不能claim这个the credit for
child and dependent care expenses.
Dependent care benefits include:
1. Amounts your employer paid directly to either you or your care provider
for the care of your qualifying person while you work,
2. The fair market value of care in a daycare facility provided or sponsored
by your employer, and
3. Pre-tax contributions you made under a dependent care flexible spending
arrangement.
也就是，要么选３０００的credit，要么选５０００的FSA.
For detail, you ca
【在 a*******t 的大作中提到】
:
: you
: It
: of
: 2441.
: 这下清楚了。
: 如果Day Care 费用小于等于５K， 用FSA。 如果超出５K， 那么超出部分再抱Child
: Care Credit，最高到３K（一个小孩）或６K（两个小孩或更多）。
: 这样看来一个小孩的Day Care费用８K最划算。
|
w*******g
发帖数: 9932 | 15 agree too
sponsored
【在 h*****z 的大作中提到】
: 理解的不对
: 如果有超过３０００的Dependent care benefits，就不能claim这个the credit for
: child and dependent care expenses.
: Dependent care benefits include:
: 1. Amounts your employer paid directly to either you or your care provider
: for the care of your qualifying person while you work,
: 2. The fair market value of care in a daycare facility provided or sponsored
: by your employer, and
: 3. Pre-tax contributions you made under a dependent care flexible spending
: arrangement.
|
