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What happens if my spouse also has a Dependent Care Flexible Spending Account (DCFSA)?

Updated over 2 weeks ago

Both you and your spouse are welcome to take advantage of DCFSA benefits, but as per IRS rules, there are limitations.

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.

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