How much is the Child Care Subsidy in 2026?

The Child Care Subsidy covers up to 90% of childcare fees for families earning $83,280 or less. The percentage decreases as family income rises. Second and younger children can receive up to 95% for families under $141,321. The subsidy is capped at hourly fee limits: $14.63/hr for centre-based care, $12.81/hr for OSHC.

What is the 3-Day Guarantee for childcare?

From 5 January 2026, all eligible families are guaranteed subsidised access to at least 3 days (72 hours per fortnight) of early childhood education and care, regardless of the activity test. Previously, families not meeting activity requirements received fewer subsidised hours.

What income do I need to get the maximum childcare subsidy?

To receive the maximum 90% Child Care Subsidy, your combined family adjusted taxable income must be $83,280 or less. For second and younger children, you can receive up to 95% if your family income is under $83,280. The subsidy reduces to 0% at family incomes above $535,279.

How much does childcare cost out-of-pocket in Australia?

Out-of-pocket costs depend on your subsidy percentage and the fee your centre charges. For example, a family earning $100,000 using centre-based care at $13/hr for 30 hours/week would pay roughly $55-65/week out-of-pocket after the subsidy. Higher income families pay more.

Child Care Subsidy Calculator

Calculate your estimated Child Care Subsidy for 2026. See how much the government will pay towards your childcare and what you'll pay out-of-pocket.

Last verified: 5 January 2026

General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.

Child Care Subsidy Calculator

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