🧑‍🍼 Stay working or stay home?

Finn

If you're weighing the costs of daycare against the financial impact of leaving the workforce, this calculator is a great starting point. It breaks down the immediate trade-offs clearly, factoring in the big hitters like lost income and childcare costs alongside smaller details like tax credits and extra household expenses. It won't herd your little kittens for you, but it will give you a solid baseline for a tough decision. Just keep in mind that it simplifies the tax credit to a flat 20% and focuses purely on short-term cash flow, so you'll want to separately consider long-term impacts like lost retirement contributions.

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