Business Resources for Family Child Care Providers

New Bonus Depreciation Rule Will Help Providers in 2008

September 2008

The Economic Stimulus Act of 2008 that gave many providers a rebate check also contains a business tax benefit for providers.

Providers who buy items in 2008 may be eligible for a special 50% depreciation allowance. This allowance allows providers to deduct 50% of the business portion of the item in 2008 and depreciate the remaining 50%, thus creating a much higher business deduction this year.

Property that is eligible for this special allowance includes: computers, office equipment, furniture, appliances, play equipment, fences, driveways, and a car. The purchase of home improvements or a home does not qualify. The item must be purchased new in calendar year 2008 and used in your business this year. The purchase of a used item does not qualify.

Here's an example of how this special allowance works:

  • Let's say a family child care provider bought a living room couch for $1,000 in March 2008 and her Time-Space Percentage for the year is 40%.
  • $1,000 x 40% = $400 (the business portion of the couch)
  • $400 x 50% = $200 (the amount of the special depreciation allowance that can be deducted on Form 4562 in 2008)
  • The remaining amount must be depreciated ($400 - $200 = $200)

    $200 x 14.29% = $28.58 (the amount that can be depreciated in 2008 using the 7 years accelerated depreciation rule on Form 4562)
  • Total amount of deductions for 2008: $200 + $28.58 = $228.58
  • Under the old rules the provider would only be able to deduct $57.16 ($400 x 14.29%)
If you are planning to purchase an eligible item this year, this new 50% depreciation allowance will help you reduce your taxes in 2008. However, it is never a good idea to purchase something just because you can get a significant tax deduction. The amount of the tax deduction you will get by purchasing something will never be equal to the cost of the item to you.