>>
Child Care Subsidy Calculator

Child Care Subsidy Calculator - Estimate Fee Relief in Seconds

Calculate your Child Care Subsidy in under 30 seconds. Find out how much you can save on child care in 2025.

What is the Child Care Subsidy (CCS)?

To help make childcare more affordable, the Federal Government introduced the Child Care Subsidy (CCS). The subsidy is a government payment that helps reduce the out-of-pocket costs of childcare for families. 

How Does CCS Work?

The Child Care Subsidy (CCS) is determined by factors such as a family’s income, activity levels, and type of childcare used. The government pays a portion of the fees directly to the provider, and families cover the remaining gap.
 

Use our child care subsidy calculator to get an instant estimate of how much you can save!

Illustration of a cheerful cartoon bee with black and yellow stripes, wearing red boots, blue wings, and smiling with an outstretched arm—perfect for brightening up a day care or early learning environment.

To qualify for CCS, families are based on the following criteria:

1. Residency and Immunisation 

For further information, please refer to this CCS Information.

2. Additional Support

Some families may be eligible for additional subsidy benefits. Eligibility criteria include:

  • Being a grandparent
  • Experiencing financial hardship that is of a temporary nature
  • Transitioning to work
  • Caring for a vulnerable or at-risk child.

For further information, please refer to ACCS Information.

3. Types of Approved Childcare Services Covered

The subsidy applies only to approved childcare services such as those offered at all Busy Bees centres

The amount of CCS you can receive is dependent on four factors:

The amount of subsidised childcare you can access per fortnight applies to each child.

Please note that any time your income or activity changes, you will need to report the change to Centrelink to ensure that you continue to receive the correct amount of CCS. 

Applying for CCS is simple. You can apply online through your myGov account linked to Centrelink. Here’s how: 

  1. Apply for your customer reference number (CRN) from Centrelink.
  2. Create a myGov account if you don’t already have one.
  3. Once signed in, go to Centrelink> Payments and claims> Make a Claim > Families> Child Care Subsidy
  4. Complete your Child Care Subsidy assessment, then make a claim.
  5. Once approved, the subsidy will be paid directly to your child care provider.

It takes under a minute to find out what portion of subsidised childcare you are eligible for. The calculator will give you a guide about your out-of-pocket costs.

Please note it is a guide to give your indicative out of pocket amounts.

Step 1: Service Information: Enter information about the Busy Bees Centre you wish to attend. This will calculate childcare fees costs and hours spent in childcare, the subsidy calculator will estimate your weekly and fortnightly out-of-pocket costs.

Step 2: Activity Test: Determine if you meet the activity test requirements to qualify for the CCS. If you meet the recognised activity test guidelines, you will be asked further questions, and the calculator will estimate what portion of CCS you are eligible for.

Step 3: Family Information: This third step asks how many children will be attending childcare centres or other services. It also asks whether you know your percentage, and if you don’t, it will calculate it based on the activity test and your taxable income.

The hourly rate cap is the maximum amount the government will subsidise per hour, per child, based on the type of care you use. If your child care service charges more than the cap, you’ll need to cover the difference.

As of 2025, the hourly rate cap is:

  • Centre-based day care: $13.17 per hour

  • Family day care: $11.73 per hour

  • Outside school hours care: $13.17 per hour
    These caps are indexed annually, so they may increase slightly each year.

Yes! Families with more than one child under 5 receive a higher subsidy rate.

TIt is important to keep your details up to date. If your income, activity level, or family situation changes can affect how much CCS you’re entitled to. You can update your details anytime through your myGov account to avoid being overpaid or underpaid.

Yes! If you switch to a Busy Bees centre, your CCS automatically transfers.

How to Calculate Your Child Care Subsidy with our CCS Calculator

To discover your out-of-pocket expenses, enter service, activity test and family information below. 

Please note, this is an estimate only and may be subject to changes dependent on your family’s situation.

Step 1: Service Information
Step 2: Activity Test
Step 3: Family Information

Your estimate for the Child Care Subsidy

Total

Per Week Per Fortnight
Estimated Child Care Subsidy

$

$

Estimated out-of-pocket expenses

$

$

  • The Government will withhold 5% of your weekly CCS entitlement, which is reflected in our estimates.
  • The estimator does not take into account that you may be eligible for the Additional Child Care Subsidy.
  • The estimator does not consider that families with First Nations children in their care can receive at least 36 hours of subsidised childcare per fortnight.

Remember, this is an estimate only. Changes to centre fees, the law, policy, or your individual circumstances may mean that any Child Care Subsidy you actually are entitled to differs from the amount estimated.

To discuss your enrolment options with our friendly enrolment team, enquire now.

Keep up to date with the latest from across our Hive

Get the Buzz

Looking for more information?

Download our Family Information Pack for everything you need to know about Busy Bees.

You’ll find more information on how Busy Bees make sure our Services are somewhere every child can thrive. Fill in your details below to get started.

We'll never share your email with anyone else.