Save on Child Care with the Household Tax Deduction
Take advantage of the tax credit and save up to €3,200 a year as a couple.
Household Tax Deduction for Child Care in 2026
In 2026, the household deduction remains at the same level as 2025: the compensation rate is 35% of the labor cost, with a €150 deductible and a maximum deduction of €1,600 per person. The deduction applies to services purchased for the home, including child care. For a two-parent family, the combined deduction can reach up to €3,200 per year – a significant saving on child care costs.
How the household deduction lightens up your family life
The household deduction makes professional child care notably more affordable. In 2026, you can deduct a whopping 35% of the labor portion of our child care services. The maximum benefit is €1,600 per adult (with a €150 deductible), and the savings directly lower your taxes.
How to calculate the 2026 household deduction
Example: Your family uses child care services totaling €3,000 per year. The household deduction is calculated as follows:
3 000 € × 35 % = 1 050 €
The €150 deductible is subtracted from this amount:
1 050 € − 150 € = 900 €
So your actual cost for child care is:
3 000 € − 900 € = 2 100 €
Couples can benefit twice
The household deduction is personal, so both parents can claim it separately. Together, a couple can receive up to €3,200 in deductions per year when the combined child care bill is large enough. Each person has a €150 deductible.
Claiming your deduction via OmaVero is simple
We've made claiming your deduction effortless: the labor share is always clearly specified on your invoice. Simply declare this amount in the Tax Administration's OmaVero service. You can update your tax card immediately so you benefit right away in your next paycheck.
Why combine Ilo-Nallet with the tax deduction?
You save real money while securing the presence of a reliable, familiar professional for your child. Because of the substantial tax credit, getting help for a busy work week or just to catch a breath is much more affordable than you might think.
Usein kysyttyä
Yes. In 2026, the deduction rate remains 35% and the maximum deduction stays at €1,600.
Yes. Both parents can claim the deduction separately, which means the combined benefit can be up to €3,200.
Summary: In 2026, you can deduct 35% of the labor portion of child care services from your taxes. The maximum deduction is €1,600 per person with a €150 deductible. A couple can benefit by up to €3,200 combined.
Read more on vero.fiComparison with previous years
In 2025, the household deduction terms were the same: 35% compensation rate, €150 deductible, and €1,600 maximum deduction per person. In 2024, the deduction was significantly higher – 60% with a maximum of €3,500 per person.
Read more about the 2025 deductionContact Information
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