g****o
发帖数: 1284 | 1 如果家里有两个娃，是存满5000公司FSA然后再take (6000-5000)*0.2 = 200 Tax
Credit合算，还是不存FSA，直接take 6000*0.2=1200 Tax Credit合算？
我的理解是这个跟家庭的Taxable Income有关，除非你的Tax bracket很低，一般来说
总是存满FSA合算。比如如果联邦税的bracket是25%，那么这5000块省的税是5000×0.
25=1250，显然比take 1200的Tax Credit合算。请问我的理解对吗？ |
Q***u
发帖数: 433 | 2 对。25%的税率的话，用FSA总共能省1450。一定要用FSA。 |
g****o
发帖数: 1284 | 3 Thanks for your confirmation!
【在 Q***u 的大作中提到】
: 对。25%的税率的话，用FSA总共能省1450。一定要用FSA。
|
p**********u
发帖数: 1467 | 4 我第一次用FSA,也不太明白,如果寸满FSA,年底是用daycare 的receipt去FSA报帐吗?
如果夫妻只有一个工作,也是可以享受20%的tax credit的吗?因为我听说好像如果夫妻
都工作是可以的,好像一个不工作就不行? |
r******y
发帖数: 71 | 5 Both parents have to work in order for the dependent care benefits work.
If only one parent works, the other parent doesn't have earned income and is
not a full time student, the $5000 FSA will be added back as tax income..
【在 p**********u 的大作中提到】
: 我第一次用FSA,也不太明白,如果寸满FSA,年底是用daycare 的receipt去FSA报帐吗?
: 如果夫妻只有一个工作,也是可以享受20%的tax credit的吗?因为我听说好像如果夫妻
: 都工作是可以的,好像一个不工作就不行?
|
p**********u
发帖数: 1467 | 6 啊?真是这样的啊,惨了.谢谢!
is
【在 r******y 的大作中提到】
: Both parents have to work in order for the dependent care benefits work.
: If only one parent works, the other parent doesn't have earned income and is
: not a full time student, the $5000 FSA will be added back as tax income..
|
p**********i
发帖数: 168 | 7 and the FSA money is like income deduction, so no social security.
that means5000*( 25% +6.25%) tax saving |
n**********8
发帖数: 389 | 8 does selling on ebay considered as "earned income"?
is
【在 r******y 的大作中提到】
: Both parents have to work in order for the dependent care benefits work.
: If only one parent works, the other parent doesn't have earned income and is
: not a full time student, the $5000 FSA will be added back as tax income..
|
p*****a
发帖数: 146 | 9 我也有个相关问题。老公不在美国工作（一年来visit两个月这样），我们也是joint
filing tax,但是他没有收入。根据上面的讨论，就算我开了dependent care flexible
spending account，报税时IRS一看我和我老公的情况，这FSA的钱也会变成taxable
income是么？这样子看来FSA也开了也没用。。。请指教。 |
