DCFSA Savings is a free calculator and resource site for families trying to figure out how much they can save with a Dependent Care FSA. It exists because most DCFSA information is either written for HR departments or buried inside benefits platform portals that require a login. Families deserve a straightforward tool that shows them the numbers without making them sign up for anything.
This site was built by Drew Chambers, Co-founder of SitterSync.
Drew has a background in private equity and energy transactions and holds an MBA from the Darden School of Business. After moving from Dallas to Lincoln, Nebraska, he had a list of local babysitters from a community organization but no way to manage bookings, payments, or track expenses for tax purposes.
He also discovered that most families around him overlooked babysitting as a DCFSA-eligible expense. Nearly all of them didn't realize they could use their Dependent Care FSA or the Child and Dependent Care Tax Credit to make those sitter payments tax-free. The ones who did know about DCFSA often skipped it because the paperwork was too much of a hassle.
SitterSync was built to solve both problems: make it easy to manage and pay babysitters, and make those payments tax-advantaged through DCFSA and the care credit. SitterSync generates IRS-compliant receipts, 1099s for providers, and a Form 2441 summary at year-end for tax prep.
Too many families skip DCFSA enrollment out of confusion or fear. The most common reasons:
This site addresses all of those. The calculator shows your exact savings in 30 seconds. The guides explain the rules in plain language. And SitterSync removes the paperwork barrier for personal caregivers.
Tax calculations use 2026 federal brackets per Rev. Proc. 2025-32, FICA rates from the Social Security Administration, and the DCFSA limit from the One Big Beautiful Bill Act. State tax rates are approximate marginal rates for typical household incomes. All content is reviewed by Drew and sourced to IRS publications and federal regulations.
Some content on this site was developed with AI assistance. All claims, calculations, and tax rules have been verified against IRS publications and federal law.
This site is not tax advice. It provides estimates for educational purposes. Consult a qualified tax professional before making enrollment decisions.
The employer-focused version. Shows companies how much they save in FICA taxes from DCFSA participation.
Run the IRC ยง129 nondiscrimination tests for your DCFSA plan. Models the 55% Average Benefits Test and 25% Owners Concentration Test under the new $7,500 cap.
See how much you can claim with the Child and Dependent Care Tax Credit in 2026. Compares credit vs. DCFSA.
Find out how much to pay your babysitter based on your location, number of kids, and experience level.
The modern childcare benefits landscape.
Booking, payment, and tax optimization for families and their caregivers. Use your DCFSA on the sitters you already trust.
Questions or feedback? Reach Drew on LinkedIn or through SitterSync.