Caps and thresholds from 6 July 2026
Child Care Subsidy calculator
Enter your family income and daily fees to see your CCS percentage, the hourly subsidy after rate caps, and what you'll actually pay each week.
- Same engine as the pay calculator
- Private — runs in your browser
Child 1
5% is withheld by default and paid back at balancing
Your CCS percentage 77.7% Standard rate
Out of pocket per week $113.81 $435.00 in fees, $338.10 subsidy
| Child | CCS % | Subsidy / hr | Weekly gap |
|---|---|---|---|
| Child 1 | 77.7% | $11.27 | $113.81 |
Per year (52 weeks): fees $22,620, subsidy $17,581, your cost $5,918. $879 of that is the 5% withheld, which is usually paid back after you lodge.
How the CCS percentage works in 2026–27
90% for family income up to $88,520. Above that it drops by 1 percentage point per $5,000, working out to 0% at $538,520. Second and younger children aged 5 or under get up to 95% while family income is under $370,727. Since 5 January 2026 every family gets at least 72 subsidised hours a fortnight (the 3 Day Guarantee).
Frequently asked questions
How is the CCS percentage calculated?
Families earning up to $88,520 get 90%. Above that it reduces by 1 percentage point for every $5,000 of income, calculated precisely rather than in steps, reaching 0% at $538,520. Second and younger children aged 5 or under can get up to 95%.
What is the 3 Day Guarantee?
From 5 January 2026 every eligible family gets at least 72 hours of subsidised care per child per fortnight, whatever their work or study hours. Families where both parents do more than 48 hours of recognised activity a fortnight get 100 hours.
What is the hourly rate cap?
The maximum hourly fee the subsidy is calculated on. In 2026–27 it’s $15.19 for centre-based day care (below school age), $14.08 for family day care, $13.30 for outside school hours care and $41.31 for in home care. You pay any fee above the cap in full.
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