A Form 2441 worksheet that also handles your DCFSA
Kelivon offers a child care tax credit calculator (about $9–$29). Carefold works from a payment CSV, applies the 2026 50%→20% rate, and shows the DCFSA exclusion next to the credit.
| Carefold | Kelivon | |
|---|---|---|
| Input | CSV/Excel of payments (person, provider, amount) | On-site form fields (per their public pages) |
| 2026 rate (50%→20%) | Yes — IRC §21 as amended | Confirm on their site for the tax year you need |
| DCFSA exclusion on same sheet | Yes — W-2 box 10, caps $7,500 / $3,750 MFS | Varies; Carefold always shows exclusion vs credit |
| Expense caps | $3,000 / $6,000 | $3,000 / $6,000 (standard) |
| Price | Free: Form 2441 credit, DCFSA exclusion and every note for any number of payments; 8 rows and 2 people on screen. Pro: $7 for 7 days, $9/month or $49/year. | About $9–$29 (read 2026-10-29) |
| Where data goes | Stays in your browser | See Kelivon's privacy policy |
Honest take: Kelivon is a focused paid calculator. Carefold is for parents who already keep a payment spreadsheet (or want one) and need the FSA exclusion and the credit on one worksheet before open enrollment or April filing.
Competitor details checked on 2026-10-29 from their public pages: Kelivon child care tax credit calculator. Prices change — check their site for the current offer. Product names are trademarks of their owners; we are not affiliated with them.
FAQ
Is my data uploaded?
No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. Payment rows aren't stored, so closing the tab clears them. Settings can be saved in this browser.
What does Carefold do?
It reads your childcare payments, works out the 2026 child and dependent care credit percentage, the dependent care FSA exclusion under IRC §129, and the Form 2441 figures you need — including when the exclusion wipes the credit.
What expenses count?
Amounts you paid so you (and your spouse if filing jointly) could work or look for work: day care, before- and after-school care, and day camp. Overnight camp and kindergarten-and-up schooling generally do not. See Pub. 503.
How does the 2026 rate work?
It starts at 50% for AGI of $15,000 or less, steps down (not below 35%) by 1 point per $2,000 over $15,000, then further down (not below 20%) after $75,000 ($150,000 joint). Expense caps stay $3,000 / $6,000.
What's free?
Importing any number of payments, the Form 2441 credit, the DCFSA exclusion, every note, the first 8 rows and the first 2 people on screen and in print (with a footer). Pro shows and prints everything and exports the Excel workbook and CSVs.
DCFSA or the credit?
FSA dollars come out pre-tax up to $7,500 in 2026. The credit is 20–50% of up to $3,000/$6,000 of expenses left after the exclusion. Carefold shows both on one worksheet.
What isn't covered?
State credits, household-employee payroll (Schedule H), and whether a specific person qualifies under the age or disability tests. Form 2441, Pub. 503 and a tax professional come first.
Is this tax advice?
No. Carefold applies the rules it describes to the numbers you provide. It is a worksheet to check against Form 2441.