New Jersey Childcare Tax Credits (2026)
Federal Child and Dependent Care Credit, New Jersey state credit, and CCDF subsidy eligibility in one place.
20–35%
Federal credit rate
50% of federal credit
New Jersey state credit
$8,500/mo
CCDF income limit (family of 4)
Federal Child Care Tax Credit Calculator
Rates are the same nationwide — income determines your percentage (20–35%).
Your Estimated Federal Credit (Form 2441)
Credit Rate
Qualifying Expenses
Estimated Federal Credit
With FSA: Your $5,000 FSA reduces the credit's eligible expense base.
New Jersey State Child Care Tax Credit
+
50% of federal credit
New Jersey allows a nonrefundable credit equal to 50% of the federal Child and Dependent Care Credit.
State tax laws change. Verify with the New Jersey Department of Revenue before filing.
New Jersey Childcare Subsidy (CCDF)
Low- and moderate-income families may qualify for subsidized care through the federal CCDF program.
Income limit (family of 4)
$8,500/month
Max subsidy (infant center)
$1,200/month
Coverage of average infant cost
71%
Apply through
New Jersey Child Care Assistance (CCR&R) →
Average Daycare Costs in New Jersey (2026)
Infant center care
$1,700/month
Toddler center care
$1,500/month
Preschool center care
$1,270/month