This estimate uses the Australian Government's Child Care Subsidy rules for the 2026-27 financial year (effective 6 July 2026). Your CCS rate is calculated from your combined family adjusted taxable income:
- Earning under $88,520: 90% subsidy
- Reduces by 1% for every $5,000 above that
- Hits 0% at $538,520 and above
The subsidy applies to the lower of the centre's hourly fee or the government's hourly rate cap of $15.19 (centre-based care, 2026-27). Each option above has its own session length, which changes the hourly fee calculation.
Second child higher rate: If you have a second child aged 5 or under in approved care and your family income is under $370,727 (2025-26 threshold), the higher rate uses its own income test (separate from the standard rate). For 2026-27 it goes down step by step:
- Income up to $146,437: 95% subsidy
- $146,437 to $191,437: goes down from 95% to 80% (1% for each $3,000)
- $191,437 to $270,727: stays at 80%
- $270,727 to $360,727: goes down from 80% to 50% (1% for each $3,000)
- $360,727 to $370,727 (2025-26 threshold): stays at 50%
- Above $370,727 (2025-26 threshold): the standard rate applies
5% withholding: Centrelink keeps back 5% of your subsidy during the year, in case your income estimate was too low (this is the standard default rate). The figures above include this withholding, so they reflect what you'll actually pay each fortnight. If your estimate was right, you get it back at tax time. You can change the withholding rate in your myGov account.
Activity test and the 3-Day Guarantee: From 5 January 2026, CCS-eligible families can get at least 72 hours of subsidised care per fortnight (about 3 days per week), regardless of work or study activity. Some families can access up to 100 hours per fortnight, including families with higher recognised participation, valid exemptions, or an Aboriginal or Torres Strait Islander child in care. For 4 or 5 days per week of care, this distinction matters: if your fortnightly hours of care exceed your subsidised cap, the hours above are charged at the full fee.
This is an estimate only. Centrelink will give you your exact rate after you lodge a claim through myGov. We're happy to walk through your specific situation on a tour, or you can ring Anna directly on 02 9416 3002.