dependent FSA limit是5000， 如果只存了2000， 后来又花了3000， 这3000 也可以有税收优惠。schedule 3 表格 Credit for child and dependent care expenses from Form 2441, line 11. Attach Form 2441
helenh 发表于 2025-04-01 23:32 dependent FSA limit是5000， 如果只存了2000， 后来又花了3000， 这3000 也可以有税收优惠。schedule 3 表格 Credit for child and dependent care expenses from Form 2441, line 11. Attach Form 2441
网上搜到这个 Google AI 回答： “IRS Definition of HCE: The IRS defines "highly compensated employees" (HCEs) as those earning over a certain amount (currently $155,000). HCE Contribution Limits: If you are an HCE, your Dependent Care FSA deduction may not exceed $3,600 per family for a married couple filing jointly, or for a single parent. For an HCE married person filing separately, the limit is $2,500. 这个意思是收入过线deduction 就cap在$3600么？报税软件是根据这个调整deduction? 但是这些rule似乎每年会有变化，公司HR也只提了maximum $5000 contribution。所以还是很疑惑。
又搜了一下，FSA 可以省ss medicare。pretax 401k不省这两样。 Yes, contributions to a Dependent Care Flexible Spending Account (DCFSA) are made with pre-tax dollars, meaning they are not subject to federal income tax, Social Security, or Medicare taxes. The amounts deferred under your 401(k) plan are reported on your Form W-2, Wage and Tax Statement. Although elective deferrals are not treated as current income for federal income tax purposes, they are included as wages subject to Social Security (FICA), Medicare, and federal unemployment taxes (FUTA).
“In 2025, the Social Security tax limit, also known as the wage base limit, is $176,100. This means that Social Security taxes (OASDI) are only collected on earnings up to this amount.”
我想你可能记的是health FSA, 那个maximum contribution是3000+ For 2025, the IRS has set the maximum Health FSA (Flexible Spending Account) contribution limit at $3,300, an increase of $100 from the 2024 limit of $3,200, with a maximum carryover of $660.
买买提闲人 发表于 2025-04-02 17:28 我想你可能记的是health FSA, 那个maximum contribution是3000+ For 2025, the IRS has set the maximum Health FSA (Flexible Spending Account) contribution limit at $3,300, an increase of $100 from the 2024 limit of $3,200, with a maximum carryover of $660.
和预扣比还是会差一点
之前我还以为这5000和个人/家庭收入没关系，查了公司HR的knowledge base也没提这点。美国税法tricky 的地方太多。
和家庭收入没啥关系啊， 如果有上学就有的报销。 credit 和这个分开的
是么？我领导说报税软件根据收入做了调整，相当于pretax预存无效，health fsa就没收入限制。我研究一下再决定明年存不存。哪位会计帮忙解答一下？
请问这个credit有收入限制吗？standard deduct可以用吗
有限制，收入40万以上就开始逐步减少
网上搜到这个 Google AI 回答： “IRS Definition of HCE: The IRS defines "highly compensated employees" (HCEs) as those earning over a certain amount (currently $155,000).
HCE Contribution Limits: If you are an HCE, your Dependent Care FSA deduction may not exceed $3,600 per family for a married couple filing jointly, or for a single parent. For an HCE married person filing separately, the limit is $2,500.
这个意思是收入过线deduction 就cap在$3600么？报税软件是根据这个调整deduction? 但是这些rule似乎每年会有变化，公司HR也只提了maximum $5000 contribution。所以还是很疑惑。
我的理解这是credit,不是itemized deduction,应该可以和standard deduction 一起用。
水至清则无鱼
现在maximum 可以报$5000,至于是不是都能省ss medicare 我也不清楚，irs 对高收入的还有$3600 cap,可能就过了这个线就省不了那两样了。
报税花太多时间
又搜了一下，FSA 可以省ss medicare。pretax 401k不省这两样。 Yes, contributions to a Dependent Care Flexible Spending Account (DCFSA) are made with pre-tax dollars, meaning they are not subject to federal income tax, Social Security, or Medicare taxes.
The amounts deferred under your 401(k) plan are reported on your Form W-2, Wage and Tax Statement. Although elective deferrals are not treated as current income for federal income tax purposes, they are included as wages subject to Social Security (FICA), Medicare, and federal unemployment taxes (FUTA).
如果你的收入远超SS扣税上限的话，这笔钱省不省SS对你没有区别。此外，FSA是不算FICA收入的。
SS扣税上限的收入是多少？我记得川普要提高这个cap
“In 2025, the Social Security tax limit, also known as the wage base limit, is $176,100. This means that Social Security taxes (OASDI) are only collected on earnings up to this amount.”
我想你可能记的是health FSA, 那个maximum contribution是3000+
For 2025, the IRS has set the maximum Health FSA (Flexible Spending Account) contribution limit at $3,300, an increase of $100 from the 2024 limit of $3,200, with a maximum carryover of $660.
因为我上次报快十年了，当时是fsa可以存5000，报税可以报3000，但是如果你存了fsa就要在这报税的3000里减掉。
哦，今天刚看了税表，你说的和我理解的一致。去年第一次存dcfsa, 一向都不是我报税，所以之前糊里糊涂的。如果收入高care费用又肯定超3000，还是存FSA 合算 ，但是也要保证全用掉，夏天带孩子回国玩的时间较长的话可以不用存满5000