Both you and your spouse are welcome to take advantage of DCFSA benefits, but as per IRS rules, there are limitations.
2026 Contribution Limits
For 2026, employees with a Dependent Care FSA (DCFSA) may elect to contribute up to an annual maximum of:
$3,750.00 per year if you are married and file a separate tax return
$7,500.00 per year if you are married and file a joint tax return, or if you file as single or head of household
If both you and your spouse contribute equally, the maximum you could each contribute is $3,750.
If you share custody of a dependent with someone else, then you may each claim $3,750 toward dependent care.
2025 Contribution Limits
For 2025, employees with a Dependent Care FSA (DCFSA) may elect to contribute up to an annual maximum of:
$2,500.00 per year if you are married and file a separate tax return
$5,000.00 per year if you are married and file a joint tax return or if you file as single or head of household
If both you and your spouse contribute equally, the maximum you could each contribute is $2,500.
If you share custody of a dependent with someone else, then you may each claim $2,500 toward dependent care.