Child Care Subsidy Calculator NSW

Important: Services Australia determines each family’s CCS eligibility and subsidy amount. Any result from the calculator on this page is an estimate only; confirm your current entitlement with Services Australia.

The Child Care Subsidy (CCS) is a Federal Government program to help eligible families with the cost of early education and care. It was introduced in July 2018 to make childcare more affordable and accessible for Australian families, meaning more children can benefit from the opportunities that early learning presents.

The CCS is means-tested and paid directly to approved childcare providers, who then pass that fee reduction on to families. At Young Academics, we want every child to benefit from access to our signature quality early learning programs. As an approved childcare provider, eligible families enrolled with us can receive CCS to help reduce their childcare fees.

The annual CCS cap has been removed for all families, giving families greater choice around work and care. From 5 January 2026, the 3 Day Guarantee also means all CCS-eligible families can access at least 72 hours of subsidised childcare per child, per fortnight, regardless of their level of work, study or other recognised participation.

Families with more than one CCS-eligible child aged 5 or under in care may also receive a higher subsidy for their second and younger eligible children.

Eligible higher-rate children can receive a subsidy of up to 95%, depending on the family’s income and circumstances.

Am I Eligible to Receive CCS?

To receive the subsidy, some basic requirements must be satisfied. These include:

  • AGE – Your child must be aged 13 or under and must not attend secondary school (certain exemptions apply, e.g. disability, medical condition).
  • IMMUNISATION – The child must meet immunisation requirements as outlined by the Australian Government.
  • RESIDENCY – The individual (parent or guardian) applying must live in Australia and meet the residency requirement as outlined in legislation.
  • CHILDCARE PROVIDER – The childcare provider must be approved and delivered in Australia; the service type is also taken into consideration.
  • FAMILY INCOME – The amount of subsidy granted depends on the total taxable income of the individual parent/couple per financial year.

Calculating the CCS: How the CCS Estimator Works

There are two main factors that determine the level of the subsidy that
can be granted to your family:

Family Income

Financial income refers to you, and your partner’s, combined taxable income for the entire financial year.

Hourly rate cap

This is determined by the type of approved service you use and the age of your child

CCS Estimator —
Your Subsidy Percentage by Income (2026–2027)

Your CCS percentage is based on combined family income. Here
is a breakdown of the subsidy percentages according to annual
income:
Your family income Child Care Subsidy percentage
Up to $88,520 90%
More than $88,520 to below $538,520 Decreasing from 90% The percentage decreases by 1% for every $5,000 of income a family earns
$538,520 or more 0%

What counts as “activity”?

The hours of CCS entitlement for each family are based on recognised activity. In two parent families, the hours of care entitled is determined by the person with the lowest number of hours of activity per fortnight. Recognised activity can count as:

  • Paid work including being self-employed
  • Paid or unpaid leave, including paid or unpaid parental or maternity leave (up to six months)
  • Participating in an approved course of education or study
  • Training to improve work skills and/or employment prospects
  • Unpaid work in a family business by an immediate family member
  • Unpaid voluntary work, work experience or internships
  • Actively looking for work
  • Actively setting up a new business that has not yet began operation (up to six months)
  • Recipients of JobSeeker, Parenting Payment or Special Benefit, with a compulsory mutual obligation requirement will have access to 36 hours of subsidised care per fortnight
  • Recipients of Carer Allowance will have access to 72 hours of subsidised care per fortnight
  • Other types of activity as assessed by Centrelink as maintaining or improving work skills

New hourly rate caps
per family income

The hours of subsidised care you can access per fortnight applies
to each child. There are four activity levels:
Activity level each fortnight Hours of subsidised care each fortnight
Less than 8 hours

0 hours if you earn above $83,280

24 hours if you earn $83,280 or below

36 hours - Aboriginal and/or Torres Strait Islander child, regardless of family activity

8 hours to 16 hours 36 hours
More than 16 hours to 48 hours 72 hours
More than 48 hours 100 hours

CCS Rates for Second & Younger Children (2026–2027)

Family income Second and younger children subsidy rate
$0 to $146,437 95%
More than $146,437 to below $191,437 Decreasing from 95%
The percentage decreases by 1% for every
$3,000 of income a family earns
$191,437 to below $270,727 80%
$270,727 to below $360,727 Decreasing from 80%
The percentage decreases by 1% for every
$3,000 of income a family earns
$360,727 to below $370,727 50%
$370,727 or more Higher CCS rates no longer apply, all
children in the family will receive the
standard CCS rate

Sessional Hours available at Young Academics

At Young Academics we offer a variety of sessional hours to support your CCS entitlement based on the number of days you enrol across the fortnight.
We have 9 hours, 10 hours and 11 hours or more, available to you depending on your activity & enrolment pattern.
Hours of Subsided Care Allocated
100hrs 5 day enrolment,
we would offer you a 10hr session of care to ensure you are within your
100hr allocation across the fortnight
72hrs 4 day enrolment,
we would offer you a 9hr session of care to ensure you are within your
72hr allocation across the fortnight

How to apply for CCS

Some other helpful resources:
1
Set up
Ensure your MyGov account is set up and ready to access
2
Claim
Sign in to your MyGov, go to Centrelink and select Payment and Claims, click Make a Claim Under Families, click Get Started, answer all questions and follow the prompts, then Submit your claim NOTE - Each child will require a separate claim
3
Supply documents
Supporting documents must be submitted
4
Tracking
Your claim can be tracked via your MyGov account – keep hold of your receipt details

Programs at
young academics

Young Academics promises stimulating, quality instruction and
child care programs which spark curiosity in your child.

0-3
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Evolution Early Learning Program Sydney (0 to 3 Years)

Our signature approach to early learning education programs promotes the development of learning dispositions such as wonder, curiosity and imagination.
3-5
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Transition to School Program (3–5 Years) — Sydney

Our Transition to School Program is designed to develop foundational skills, providing fluid transition into Early Stage One of the Australian School Curriculum.

Family
resources

Our family-focused approach is reflected in all aspects of our care. We are here to
nurture and grow with all in our network.

Orientation at YA

Orientation gives you a glimpse into life at Young Academics, including our early learning programs and facilities.

First day at YA

It’s a big day for both you and your child, so to ease the pressure here’s what to expect on their first day.