What will you owe —and what might you save?
Estimate the federal employer taxes on a caregiver's wages, plus the medical-expense deduction many families miss — in about two minutes, no account, nothing saved.
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Your situation
Facts only — no guessing on your behalf. Nothing is saved.
Question 1
Is this care legally medical care?
Without both, only nursing-type work counts — not cooking, cleaning, driving, or keeping company.
Question 2
Whose money pays the caregiver?
The deduction belongs to whoever's money paid, not whoever managed the care.
Question 3
Their income — rough numbers are fine
We work out the tax bracket and the tax owed from this — no tax return needed.
What it means
Caregiver wages: $52,000/yr
Your yearly employer cost
Plus $3,978 withheld from the caregiver's pay, and state unemployment tax (varies by state).
The medical-expense deduction
Answer the three questions on the left to see whether this deduction applies — and what it could be worth. For some families it's significant; for others it's genuinely $0. The answer depends on facts only you know.
Federal estimate only, not tax advice — no state income tax, no state unemployment. Whether this deduction is available depends on facts about your household that only a qualified tax advisor can confirm.
Federal estimates, in plain numbers.
This calculator covers the federal household-employment taxes — Social Security, Medicare, and federal unemployment (FUTA) — and the medical-expense deduction you may qualify for. Those are the parts that work the same way in all 50 states.
It does not calculate state income-tax withholding or state unemployment (SUTA) rates, which vary by state. And the medical-expense deduction only helps if you itemize and meet IRS conditions.
Estimates only, not tax advice. Confirm your situation with a qualified tax advisor.
Like what you see? Set it up for real.
Start free to track payments and watch the threshold, then upgrade when you're ready to run payroll and capture the deduction.
Free accountNo credit cardFederal tax estimates for all 50 states