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Georgia families paying $950/month for daycare can save $2,000-$4,500/year by stacking the federal CDCTC, the state credit (30% of federal credit), and a Dependent Care FSA. The state credit is non-refundable.

Georgia Childcare Tax Credit & Savings Calculator (2026)

Full-time daycare in Georgia averages $950/month ($11,400/year). Here's what you can claim back.

Avg. Daycare Cost

$950/mo

Georgia, center-based infant care

Federal Credit (CDCTC)

up to $3,000

20-50% of $6K max (proposed 2026)

Georgia State Credit

30% of federal credit

Non-refundable

Calculate Your Exact Savings

Enter your income, filing status, and number of kids to see your net daycare cost after all credits and FSA savings.

Open Tax Calculator

Georgia Childcare Tax Credit Details (2026)

Credit Type

30% of federal credit

Refundable?

No — reduces your state tax bill but won't generate a refund

Stacks With

Federal CDCTC + Dependent Care FSA. All three can be claimed together.

Example Savings for a Georgia Family

1 child, married filing jointly, $11,400/year in daycare. Proposed 2026 OBBA rates.

Income (AGI)	Federal	GA	FSA	Total
$30K	$1,290	$387	$983	$2,660
$50K	$990	$297	$983	$2,270
$75K	$600	$180	$1,483	$2,263
$100K	$600	$180	$1,483	$2,263

Federal rates: proposed OBBA 2026 schedule (50% max). FSA: $5,000 pre-tax, savings include FICA 7.65%. State credit calculations are approximate.

Questions About Georgia Childcare Tax Benefits

How much is Georgia's childcare tax credit worth?

Georgia's childcare tax credit is 30% of federal credit. It is non-refundable, so it reduces your state tax bill but will not generate a refund. This stacks on top of the federal CDCTC and FSA savings.

How much does daycare cost in Georgia?

Full-time infant center-based care in Georgia averages $950/month ($11,400/year). Costs vary by city. See our Georgia daycare cost page for city-level rates.

Can I claim both the federal credit and a Dependent Care FSA?

Yes, but they share an expense pool. If you put $5,000 in your FSA, the max qualifying expenses for the federal credit drops from $3,000/$6,000 to $0/$1,000. In most cases, the FSA saves more per dollar (income tax + FICA savings), so use it first.

More for Georgia Parents

Georgia Daycare Costs

City-by-city rates

Georgia Subsidy Eligibility

CCDF income limits

Interactive Tax Calculator

See your exact savings

Affordability Calculator

% of income going to childcare

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