Did you know that those fun summer day camps you signed your kids up for might qualify you for a tax credit?
If your children are under 13 and you pay for summer day camps or childcare so you can work (or look for work), you may be eligible for the Child and Dependent Care Credit—even if the activity feels more like fun than care.
What Qualifies?
- Day camps (e.g., sports, art, STEM) can count.
- Before- or after-camp care may also be eligible.
- Expenses must be work-related—meaning you (and your spouse, if filing jointly) are working or job-hunting while your child is in care
- Your child must be under 13 years old (or a dependent of any age who is physically or mentally unable to care for themselves).
What Doesn’t Count?
- Overnight camps are not eligible.
- Payments to family members who aren’t licensed or are part of your household often don’t qualify.
- Activities that aren't considered care (e.g., swim lessons) might not be covered unless part of a structured camp.
How Much Can You Save?
- The credit is worth up to 35% of $3,000 in expenses for one child, or 35% of $6,000 for two or more—depending on your income.
Quick Tip:
Keep records! Save receipts, provider information, and dates. You’ll need your care provider’s name, address, and tax ID or SSN to claim the credit.
Planning Tip:
If you’ve already paid for summer camp or will soon, make a note to bring those receipts at tax time—or better yet, let’s chat now to plan ahead.