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daycare out-of-pocket calculator

the fast version of the CCS calculator — just tell us your income, days per week and daily fee and we'll show you the real cost.

last verified: 1 April 2026

$

your household's combined gross annual income (before tax). this determines your CCS percentage.

days per week at daycare
$

what your centre charges per day before the subsidy. we convert this to an hourly fee assuming a standard 10-hour daycare day.

are both parents working or studying?

the CCS activity test — if yes, we assume you unlock 100 subsidised hours per fortnight. if no, you generally get no subsidised hours unless you're on a low income.

this calculator provides estimates based on published government rates and formulas. your actual entitlement may vary based on your full circumstances. always check with Services Australia for a precise figure.