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Employees save
25% to 40%
Enrollment System
Consumer-directed health accounts
Child dependent
care accounts
Elder care & adult daycare accounts
Adoption assistance accounts
Commuter benefit accounts
Premium Only Plans
Advantages to Employers
Administrative Tools
How to set up a plan
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Single, Head of Household - 1 Dependent, $3,000 Daycare Expenses
Single, Head of Household - 1 Dependent, $5,000 Daycare Expenses
Single, Head of Household - 2 Dependents, $6,000 Daycare Expenses
Married, Filing Joint - 1 Dependent, $3,000 Daycare Expenses
Married, Filing Joint - 1 Dependent, $5,000 Daycare Expenses
Married, Filing Joint - 2 Dependents, $6,000 Daycare Expenses
|
2009 Tax Rates - Single, Head of Household |
|
1 Eligible Dependent - $3,000 Daycare Expenses |
|
AGI |
|
|
|
Over |
But not over |
Diff. |
Best Option |
|
$0 |
$11,950 |
($521) |
Credit |
|
$11,950 |
$15,000 |
($371) |
Credit |
|
$15,000 |
$17,000 |
($341) |
Credit |
|
$17,000 |
$19,000 |
($311) |
Credit |
|
$19,000 |
$21,000 |
($281) |
Credit |
|
$21,000 |
$23,000 |
($251) |
Credit |
|
$23,000 |
$25,000 |
($221) |
Credit |
|
$25,000 |
$27,000 |
($191) |
Credit |
|
$27,000 |
$29,000 |
($161) |
Credit |
|
$29,000 |
$31,000 |
($131) |
Credit |
|
$31,000 |
$33,000 |
($101) |
Credit |
|
$33,000 |
$35,000 |
($71) |
Credit |
|
$35,000 |
$37,000 |
($41) |
Credit |
|
$37,000 |
$39,000 |
($11) |
Credit |
|
$39,000 |
$41,000 |
$20 |
FSA |
|
$41,000 |
$43,000 |
$50 |
FSA |
|
$43,000 |
$45,500 |
$80 |
FSA |
|
$45,500 |
$106,800 |
$380 |
FSA |
|
$106,800 |
$117,450 |
$194 |
FSA |
|
$117,450 |
$190,200 |
$284 |
FSA |
|
Top |
|
2009 Tax Rates - Single, Head of Household |
|
1 Eligible Dependent - $5,000 Daycare Expenses |
|
AGI |
|
|
|
Over |
But not over |
Diff. |
Best Option |
|
$0 |
$11,950 |
($168) |
Credit |
|
$11,950 |
$15,000 |
$83 |
FSA |
|
$15,000 |
$17,000 |
$113 |
FSA |
|
$17,000 |
$19,000 |
$143 |
FSA |
|
$19,000 |
$21,000 |
$173 |
FSA |
|
$21,000 |
$23,000 |
$203 |
FSA |
|
$23,000 |
$25,000 |
$233 |
FSA |
|
$25,000 |
$27,000 |
$263 |
FSA |
|
$27,000 |
$29,000 |
$293 |
FSA |
|
$29,000 |
$31,000 |
$323 |
FSA |
|
$31,000 |
$33,000 |
$353 |
FSA |
|
$33,000 |
$35,000 |
$383 |
FSA |
|
$35,000 |
$37,000 |
$413 |
FSA |
|
$37,000 |
$39,000 |
$443 |
FSA |
|
$39,000 |
$41,000 |
$473 |
FSA |
|
$41,000 |
$43,000 |
$503 |
FSA |
|
$43,000 |
$45,500 |
$533 |
FSA |
|
$45,500 |
$106,800 |
$1,033 |
FSA |
|
$106,800 |
$117,450 |
$723 |
FSA |
|
$117,450 |
$190,200 |
$873 |
FSA |
|
Top |
|
2009 Tax Rates - Single, Head of Household |
|
2 Eligible Dependents - $6,000 Daycare Expenses* |
|
AGI |
|
|
|
Over |
But not over |
Diff. |
Best Option |
|
$0 |
$11,950 |
($868) |
Credit |
|
$11,950 |
$15,000 |
($618) |
Credit |
|
$15,000 |
$17,000 |
($568) |
Credit |
|
$17,000 |
$19,000 |
($518) |
Credit |
|
$19,000 |
$21,000 |
($468) |
Credit |
|
$21,000 |
$23,000 |
($418) |
Credit |
|
$23,000 |
$25,000 |
($368) |
Credit |
|
$25,000 |
$27,000 |
($318) |
Credit |
|
$27,000 |
$29,000 |
($268) |
Credit |
|
$29,000 |
$31,000 |
($218) |
Credit |
|
$31,000 |
$33,000 |
($168) |
Credit |
|
$33,000 |
$35,000 |
($118) |
Credit |
|
$35,000 |
$37,000 |
($68) |
Credit |
|
$37,000 |
$39,000 |
($18) |
Credit |
|
$39,000 |
$41,000 |
$33 |
FSA |
|
$41,000 |
$43,000 |
$83 |
FSA |
|
$43,000 |
$45,500 |
$133 |
FSA |
|
$45,500 |
$106,800 |
$633 |
FSA |
|
$106,800 |
$117,450 |
$323 |
FSA |
|
$117,450 |
$190,200 |
$473 |
FSA |
|
Top |
|
*FSA tax savings percentage applied to $5,000. |
|
2009 Tax Rates - Married, Filing Joint |
|
1 Eligible Dependent - $3,000 Daycare Expenses |
|
AGI |
|
|
|
Over |
But not over |
Diff. |
Best Option |
|
$0 |
$15,000 |
($521) |
Credit |
|
$15,000 |
$16,700 |
($491) |
Credit |
|
$16,700 |
$17,000 |
($341) |
Credit |
|
$17,000 |
$19,000 |
($311) |
Credit |
|
$19,000 |
$21,000 |
($281) |
Credit |
|
$21,000 |
$23,000 |
($251) |
Credit |
|
$23,000 |
$25,000 |
($221) |
Credit |
|
$25,000 |
$27,000 |
($191) |
Credit |
|
$27,000 |
$29,000 |
($161) |
Credit |
|
$29,000 |
$31,000 |
($131) |
Credit |
|
$31,000 |
$33,000 |
($101) |
Credit |
|
$33,000 |
$35,000 |
($71) |
Credit |
|
$35,000 |
$37,000 |
($41) |
Credit |
|
$37,000 |
$39,000 |
($11) |
Credit |
|
$39,000 |
$41,000 |
$20 |
FSA |
|
$41,000 |
$43,000 |
$50 |
FSA |
|
$43,000 |
$67,900 |
$80 |
FSA |
|
$67,900 |
$106,800 |
$380 |
FSA |
|
$106,800 |
$137,050 |
$194 |
FSA |
|
$137,050 |
$208,850 |
$284 |
FSA |
|
Top |
|
2009 Tax Rates - Married, Filing Joint |
|
1 Eligible Dependent - $5,000 Daycare Expenses |
|
AGI |
|
|
|
Over |
But not over |
Diff. |
Best Option |
|
$0 |
$15,000 |
($168) |
Credit |
|
$15,000 |
$16,700 |
($138) |
Credit |
|
$16,700 |
$17,000 |
$113 |
FSA |
|
$17,000 |
$19,000 |
$143 |
FSA |
|
$19,000 |
$21,000 |
$173 |
FSA |
|
$21,000 |
$23,000 |
$203 |
FSA |
|
$23,000 |
$25,000 |
$233 |
FSA |
|
$25,000 |
$27,000 |
$263 |
FSA |
|
$27,000 |
$29,000 |
$293 |
FSA |
|
$29,000 |
$31,000 |
$323 |
FSA |
|
$31,000 |
$33,000 |
$353 |
FSA |
|
$33,000 |
$35,000 |
$383 |
FSA |
|
$35,000 |
$37,000 |
$413 |
FSA |
|
$37,000 |
$39,000 |
$443 |
FSA |
|
$39,000 |
$41,000 |
$473 |
FSA |
|
$41,000 |
$43,000 |
$503 |
FSA |
|
$43,000 |
$67,900 |
$533 |
FSA |
|
$67,900 |
$106,800 |
$1,033 |
FSA |
|
$106,800 |
$137,050 |
$723 |
FSA |
|
$137,050 |
$208,850 |
$873 |
FSA |
|
Top |
|
2009 Tax Rates - Married, Filing Joint |
|
2 Eligible Dependents - $6,000 Daycare Expenses* |
|
AGI |
|
|
|
Over |
But not over |
Diff. |
Best Option |
|
$0 |
$15,000 |
($868) |
Credit |
|
$15,000 |
$16,700 |
($818) |
Credit |
|
$16,700 |
$17,000 |
($568) |
Credit |
|
$17,000 |
$19,000 |
($518) |
Credit |
|
$19,000 |
$21,000 |
($468) |
Credit |
|
$21,000 |
$23,000 |
($418) |
Credit |
|
$23,000 |
$25,000 |
($368) |
Credit |
|
$25,000 |
$27,000 |
($318) |
Credit |
|
$27,000 |
$29,000 |
($268) |
Credit |
|
$29,000 |
$31,000 |
($218) |
Credit |
|
$31,000 |
$33,000 |
($168) |
Credit |
|
$33,000 |
$35,000 |
($118) |
Credit |
|
$35,000 |
$37,000 |
($68) |
Credit |
|
$37,000 |
$39,000 |
($18) |
Credit |
|
$39,000 |
$41,000 |
$33 |
FSA |
|
$41,000 |
$43,000 |
$83 |
FSA |
|
$43,000 |
$67,900 |
$133 |
FSA |
|
$67,900 |
$106,800 |
$633 |
FSA |
|
$106,800 |
$137,050 |
$323 |
FSA |
|
$137,050 |
$208,850 |
$473 |
FSA |
|
Top |
|
*FSA tax savings percentage applied to $5,000. |
|
