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Level 1
posted Oct 1, 2025 7:15:46 PM

Dependent care FSA

They are raising the annual amount to $7500 for 2026.  My spouse is highly compensated and can only contribute $3000.  Can I contribute the remaining $4500. I know that I will not be considered highly compensated.

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2 Replies
Level 15
Oct 1, 2025 10:10:56 PM

if you get a w-2 and your employer sponsors an FSA you can contribute the difference to it subject to any limitations imposed by your employer's plan. since your wages are less than your spouse the max excludable is the $7500 or your earned income whichever is less. 

Level 15
Oct 2, 2025 11:51:20 AM

Yes.  As long as you file a joint tax return (married filing jointly), your overall allowable amount is $7500.  You can divide that between you any way you like.  If you take more than $7500 combined between you, the difference will be added back to your taxable income on your tax return at the end of the year but there is no additional penalty.