Australian Childcare Subsidy & Take-Home Pay Calculator 2026–27
Is working another day actually worth it?
If you're an Australian parent trying to work out whether returning 3, 4 or 5 days a week will actually leave you financially better off after tax and childcare, this calculator does the maths for you.
The Australian Working Parent Calculator 2026–27 brings your estimated income tax, Child Care Subsidy, childcare costs and take-home pay together so you can compare different work scenarios in one place.
Compare 3, 4 and 5 working days
Enter your household and childcare information once and compare:
• Estimated gross income
• Estimated Australian income tax
• Medicare levy and applicable surcharge estimates
• Estimated take-home pay
• Child Care Subsidy estimates
• Childcare out-of-pocket costs
• Weekly income remaining after childcare
• The estimated financial difference between working 3, 4 and 5 days
Designed for Australian working parents
Particularly useful if you're:
• returning to work after parental leave
• considering increasing or reducing your work days
• comparing 3 days vs 4 days of work
• wondering whether an extra work day is financially worthwhile
• budgeting for childcare
• trying to understand the interaction between salary, CCS and childcare costs
What you'll receive
One downloadable Microsoft Excel calculator covering the 2026–27 Australian financial year.
Simply enter your information into the clearly marked input cells and the calculator automatically produces your scenario comparison.
No subscription. No ongoing fee.
Important
This calculator is provided for general informational and scenario-planning purposes only. Results are estimates and do not constitute financial, taxation or Centrelink advice. Individual circumstances vary.
Please confirm your actual tax position with the Australian Taxation Office and your Child Care Subsidy eligibility and entitlement with Services Australia.
Digital product only. Nothing will be physically shipped.
Version 1.0 | 2026–27 Australian Financial Year