Families can benefit from several tax advantages aimed at reducing the burden of their expenses.
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IStock / City Presse
Families have to bear many expenses intended to ensure the care, the education or the custody of their children.
To enable them to face these significant costs, the French State has a particularly attractive family policy, which includes numerous financial aids and tax advantages that are not always clearly identified.
We take stock of the tax assistance.
Childcare costs, the most publicized
After the birth of a child, couples who return to work most often have to entrust it to a crèche, a nursery or an approved maternal assistant.
However, according to a comparative study carried out in 2019 by the specialized platform Yoopies, the cost of these solutions reached 2.15 euros per hour in public and approved nurseries, and 3.52 per child with a childminder, knowing that prices may vary depending on the location and the professional.
To finance an invoice of more than 500 euros per month, parents can essentially count on the additional childcare system paid each month by the Family Allowances Fund, but also, to a lesser extent, on a tax credit corresponding to 50 % of the amount of annual expenses incurred (after deduction of aid obtained), within the limit of a total envelope of 2,300 euros per child cared for away from home (or 1,150 euros in the case of joint custody).
On the other hand, if you call on a specialized home employee, the tax credit dedicated to personal services will apply to 50% of your costs, with a much higher ceiling of 12,000 euros per year. , increased by 1,500 euros per dependent child.
In all cases, a deposit of 60% of the amount of the tax credit is paid in January, while the balance is collected in the summer.
Schooling, symbolic help
Your child's arrival on the school benches marks a turning point in their learning, but also for your wallet.
Despite free schooling, it is necessary to be able to purchase the required school supplies each year.
In addition to the well-known back-to-school allowance (ARS), parents can take advantage of a tax reduction dedicated to school fees.
Regardless of your income: to benefit from this lump-sum rebate, your child - minor or major - must pursue secondary or higher studies, be attached to your tax household and have no employment or remuneration.
Primary school students are therefore not affected.
The tax gift is nevertheless symbolic, since the deduction of income tax amounts to 61 euros for a child attending college, 153 euros if he is in high school and 183 euros if he follows a course. at University.
It is also carried out with a one-year lag on the basis of the information provided on the annual income tax return.
That being said, as these reductions are cumulative, the amount becomes interesting with several teenagers at home.
Note: the initial training provided by the National Center for Distance Learning (Cned) also qualifies for this tax advantage.
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The tax connection, the little-known trick
From a fiscal standpoint, the presence of dependent children makes it possible to benefit from additional portions of the family quotient and thus reduce the couple's taxation.
But once a teenager reaches adulthood, he can become personally taxable, which can increase his parents' taxes.
To avoid this, you can ask to attach it to your tax household until he is 21, or even 25 if he is studying.
You just have to indicate it in your personal space on Impots.gouv.fr.
Your child must also draw up a signed and dated connection request on plain paper, which you must keep in the event of an inspection.
If he wants to stand on his own feet, he will have to file his own tax return.
In the event of insufficient income, you can then pay him alimony, without age limit, which will be deductible from your income under certain ceilings.
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