{"id":7540,"date":"2025-03-26T21:24:36","date_gmt":"2025-03-27T01:24:36","guid":{"rendered":"https:\/\/www.paulrioux.ca\/?page_id=7540\/"},"modified":"2025-03-27T23:39:36","modified_gmt":"2025-03-28T03:39:36","slug":"families-childcare-expenses","status":"publish","type":"page","link":"https:\/\/www.paulrioux.ca\/en\/guide\/families-childcare-expenses\/","title":{"rendered":"Childcare expenses"},"content":{"rendered":"
[vc_row][vc_column][vc_column_text css=”.vc_custom_1743133175090{margin-bottom: 0px !important;}”]\n

Fiscal and Financial Planning Guide 2024-2025<\/h2>\n

Families > Childcare expenses<\/h3>\n

Limits per child<\/strong>[\/vc_column_text][vc_single_image image=”7650″ img_size=”full” alignment=”center” css=””][vc_column_text css=”.vc_custom_1743127545479{margin-bottom: 0px !important;}”]Let us recall that these are cumulative limits. For example, a family with two children aged 6 or under and a child aged 7 to 16 is entitled in Qu\u00e9bec to an overall limit of $21,000 for all the children calculated on 2 x $8,000 + 1 x $5,000 ($29,880 for Quebec). This means that if the childcare expenses for a child are less than his maximum limit, the unused portion can be used for the other children whose child\u2019s care expenses exceeds their limits.<\/p>\n

Federal deduction<\/strong><\/p>\n

At the federal level, child care expenses are deductible from the income of the spouse with the lower net income, at that spouse’s tax rate. In addition, the deduction is limited to 2\/3 of the spouse’s working income (i.e., no deduction if the spouse does not work).[\/vc_column_text][vc_single_image image=”7651″ img_size=”full” alignment=”center” css=””][vc_column_text css=”.vc_custom_1743127561703{margin-bottom: 0px !important;}”]Qu\u00e9bec Child Care Credit Rates<\/strong>[\/vc_column_text][vc_single_image image=”7652″ img_size=”full” alignment=”center” css=””][vc_column_text css=”.vc_custom_1743127580483{margin-bottom: 0px !important;}”]Potential tax savings<\/strong><\/p>\n

The table at the bottom of this page shows the percentage of tax savings (federal and Qu\u00e9bec) on the portion of eligible childcare expenses according to family income and to the work income of the spouse with the lowest income.[\/vc_column_text][vc_cta h2=”” css=””]We can notice that the tax savings is 84% for a middle-income family and can even go up to 95% for higher income family.[\/vc_cta][vc_column_text css=”.vc_custom_1743127609192{margin-bottom: 0px !important;}”]Therefore, a nanny fee or private daycare fee of $40 per day corresponds to a fee of $9.10 in 2025 ($8.70 in 2024) charged by subsidized daycare centers (CPE) because the latter one do not qualify the Qu\u00e9bec child care tax credit is shown on the Annual limits per child table.<\/p>\n

It should be noted that these tax savings only apply to eligible child care expenses within the limits set by the government based on the age of the children shown previously.[\/vc_column_text][vc_single_image image=”7653″ img_size=”full” alignment=”center” css=””][vc_column_text css=”.vc_custom_1743127629458{margin-bottom: 0px !important;}”]Requirement to file a Relev\u00e9 24<\/strong><\/p>\n

Since 2022, individuals providing childcare services (a nanny for example) is required to file a Relev\u00e9 24<\/strong> with Revenu Qu\u00e9bec and provide a copy to parents.<\/p>\n

Childcare fees receipts will no longer be accepted.[\/vc_column_text][vc_cta h2=”” css=””]In order to respect the February 28 deadline, we filed the Relev\u00e9 24 of client\u2019s nannies for whom we produce the employment T4 slips.[\/vc_cta][mk_button dimension=”two” corner_style=”rounded” size=”large” icon=”mk-icon-arrow-left” url=”\/en\/fiscal-and-financial-planning-guide\/”]Back[\/mk_button][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text css=”.vc_custom_1743133175090{margin-bottom: 0px !important;}”] Fiscal and Financial Planning Guide 2024-2025 Families > Childcare expenses Limits per child[\/vc_column_text][vc_single_image image=”7650″ img_size=”full” alignment=”center” css=””][vc_column_text css=”.vc_custom_1743127545479{margin-bottom: 0px !important;}”]Let us recall that these are cumulative limits. For example, a family with two children aged 6 or under and a child aged 7 to 16 is entitled in Qu\u00e9bec to an […]<\/p>\n","protected":false},"author":124,"featured_media":0,"parent":7402,"menu_order":30,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7540","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nChildcare expenses | Paul Rioux CA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paulrioux.ca\/en\/guide\/families-childcare-expenses\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Childcare expenses | Paul Rioux CA\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text css=”.vc_custom_1743133175090{margin-bottom: 0px !important;}”] Fiscal and Financial Planning Guide 2024-2025 Families > Childcare expenses Limits per child[\/vc_column_text][vc_single_image image=”7650″ img_size=”full” alignment=”center” css=””][vc_column_text css=”.vc_custom_1743127545479{margin-bottom: 0px !important;}”]Let us recall that these are cumulative limits. 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