Childcare is a headache for any young parent! In addition to the difficulty of finding the rare pearl that inspires confidence, you also have to jostle to get an available place but also to be able to bear the bill which can quickly soar depending on the solution chosen.

To support families, the State has therefore set up specific financial aid. Let's take stock.

A doubled tax credit for out-of-home care

Like some 949,000 families (2021 Urssaf figures), have you chosen to call on a childminder to take care of your little one?

These professionals represent the first type of childcare in France since they take care of 20% of children under 3 years old, against 19% for childcare facilities (crèche, drop-in daycare ...), according to a study by DREES, the statistical institute of the Ministry of Solidarity, published in early 2023 and based on 2021 data.

However, the net salary of a childminder was estimated at €3.69 on average per hour in 2022 by the barometer of the specialized platform, knowing that the cost can exceed €4 depending on the region.

To cope with this, parents can then count on a specific tax credit for out-of-home childcare expenses, as long as the toddler is under 6 years old. And, good news, this tax rebate has been doubled by the finance law of December 30, 2022.

You can thus deduct 50% of the sums paid to the childminder, up to a limit of €3,500 per year and per child (or €1,750 in the case of shared custody), where the ceiling was previously set at €2,300.

At most, this entitles you to a tax credit of €1,750 per child (€875 in shared custody), bearing in mind that an advance of 60% is paid from January onwards depending on the amount received the previous year.

Good to know: this tax rebate is the same for expenses incurred with a childcare facility for children under 6 years of age.

A rebate for home childcare

If you want to have your toddler looked after at home, it is also possible to use a childcare assistant or a parental assistant, in other words a nanny qualified to take care of a child under 3 years old.

It even happens that the use of a home help completes the service of the childminder, by managing the child outside the usual time slots.

And even once the little one is in school, the nanny remains a precious human support for the family for many years to come!

As soon as you use declared home care, you can also benefit from a tax credit of 50% of the expenses incurred. But be careful, this is not the same tax aid!

Indeed, this time we are within the framework of the classic boost granted to personal services, whose ceiling of costs is set at €12,000 per year.

If your child is over 6 years old, you can also benefit from the immediate advance scheme, which allows you to receive 60% of the amount of the tax credit granted from January since 2023.

Our "Children" dossier

The same will apply in 2024 for the care of toddlers under 6 years old.

The free choice of childcare supplement

Whether you have opted for a childminder, home care or even a crèche and other approved childcare establishment, the free choice of childcare supplement (CMG) paid by the Family Allowance Fund allows you to further reduce the bill as soon as the toddler is under 6 years old.

The amount of this assistance then depends on a range of income ceilings and the type of childcare chosen.

In the case of a childminder or home care, the maximum coverage varies between €506 and €191 per month depending on your income bracket for a child under 3 years old.

The boost then decreases since it amounts to between €253 and a little less than €96 from 3 to 6 years old.

Find out about your rights from your CAF.

Did you know?

If fewer and fewer parents put their careers on hold to take care of their little one as their main occupation before he goes to school thus avoiding expensive childcare costs, this solution still remains the majority in France.

In fact, according to the recent DREES study, 56% of children under the age of 3 were mainly cared for by their parents from Monday to Friday between 8 a.m. and 19 p.m. in 2021.

This represents a decline of 14 percentage points since 2002, coinciding with an increase in the employment rate of mothers.

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