Your booked fees
Days in care multiplied by the fee charged for each day.
Return-to-work Maths · Updated for 2026–27
What does childcare and returning to work really leave your family?
Compare work patterns using the same Childcare Maths engine, including estimated tax, CCS and childcare gap fees.
2026–27 CCS rates
Australian resident tax rates
Private by default
1
Annual gross
Family income
Use your expected income for the full financial year. Your names stay on this device.
3 days
012345
Estimated annual employment income: $0
Advanced income settings
Included in family income for CCS, but excluded from employment take-home pay.
2
Children and care
Add up to four children. Fees are entered per booked day.
3
Per child
Subsidised hours
100 hours may apply where both parents exceed 48 hours of recognised participation per fortnight, for Aboriginal or Torres Strait Islander children, approved exemptions or specified ACCS circumstances.
Show typical 5% CCS withholding
Withholding changes cash paid during the year, not your final estimated entitlement.
Return-to-work comparison
Is another workday worth it?
Adjust your workdays to compare scenarios.
Annual family difference$0
Retained per added workday$0
Break-even gross pay for that day$0
This compares household employment income after estimated resident tax, Medicare levy and childcare. It excludes Family Tax Benefit, HELP repayments, tax offsets, deductions and super.
Plain English
How the estimate works
Estimated CCS
Your CCS percentage applies to the lower of the hourly fee or government hourly cap, within your subsidised hours.
Your gap
The part left after CCS, including fees above the hourly cap and hours above your entitlement.
Compare every work pattern in one family plan.
Save multiple scenarios and create a partner-friendly detailed report. Your headline result and core calculator will remain free.
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