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Stetson Academy

Learn about the Enhanced Childcare Program (ECP) .

Learn about Flexible Spending Accounts (FSAs) to save on taxes for childcare.

Learn about 529 Plans to save for your child's education with tax advantages.

Tuition + ECP Savings Calculator

Please note that this calculator is provided as a tool for illustrative purposes only and will likely contain inaccuracies. Always consult a tax professional regarding your unique situation.
Stetson Academy cannot be held liable for any errors or omissions.

2025 Rates 2026 Rates

Number of Students Tuition & fees multiply by # of students.

Additional Monthly Discount
(Family-Level) e.g. sibling, military, etc.

Extra Monthly Childcare Costs e.g. daily drop-ins, monthly care, etc.

Annual Tuition (per student: $11,215)

Deposit (per student: $600)

ECP Fee/month (per student: $400)

Bundle Discount/month (per student: $350)

Number of Monthly Payments

Filing Status Affects tax brackets and phase-outs.

Adjusted Gross Income - AGI Used to estimate Fed/CA bracket + payroll.

# of Dependents (under 13) Affects max eligible for child credit ($3,000 if 1; $6,000 if 2+).

Dependent Care FSA Contribution Capped at year-specific limit & scenario childcare cost. Reduces credit eligibility.

529 Plan Withdrawal (annual) Tax-free for K-12 tuition, capped at year-specific limit/student.

Scenario	Deposit	Monthly Payment	Total Payment	Fed + Payroll Savings	State Savings (Dependent Care)	Effective Cost	Savings vs. Standalone
Standalone Tuition							-
Bundled Tuition + ECP

Federal Marginal Rate:
CA Marginal Rate:
Payroll Tax Rate:

We assume you have not exceeded the Social Security wage base (2025: $176,100; 2026 projected: $182,000). If AGI is above $250K (MFJ) or $200K (Single), we add 0.9% Additional Medicare, for an approximate 8.55% payroll rate. Real payroll taxes can vary depending on your actual wage base and thresholds.

Disclaimer: This tool is for illustrative purposes only and is not official tax advice. Updated for 2025/2026 rules including the One Big Beautiful Bill Act (OBB Act). Brackets for 2026 are projected with approximate inflation adjustments. Always consult a tax professional regarding your unique situation, as many nuances exist in the rules governing dependent care FSAs, child care credits, and payroll taxes.

Key Takeaways: 529 Plans

A 529 plan is a tax-advantaged savings account designed for education expenses, including K-12 tuition, college, and more. Contributions are made with after-tax dollars, but earnings grow tax-free, and qualified withdrawals (e.g., for tuition) are also tax-free. Many states offer additional tax deductions or credits on contributions, making it a flexible way to save long-term—though funds should be used for education to avoid penalties.

Key Takeaways: Dependent Care Flexible Spending Account (FSA)

A Dependent Care Flexible Spending Account (FSA) lets you set aside pre-tax dollars (up to $5,000 for MFJ in 2025, increasing to $7,500 in 2026) to pay for eligible childcare expenses, reducing your taxable income and payroll taxes. However, FSAs must be provided by your employer through a benefits plan, follow a "use-it-or-lose-it" rule (unused funds may be forfeited), and can reduce eligibility for the Child and Dependent Care Credit—ideal for working parents with predictable childcare costs.

Transitional Kindergarten

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