For Australian families

CCS Checkup Topics: When life changes, check your Child Care Subsidy

CCS details can become outdated when real life changes — such as income, care days, childcare fees, work or activity hours, school status, or family circumstances. When that happens, a previous estimate may no longer match your current situation.

Estimate your CCS today — then keep checking when life changes.

Which option is right for me?

CCS Checkup provides estimate-only decision support based on the details families enter. Services Australia/Centrelink determines actual CCS outcomes.

Quick CCS Calculator

Free

Use this if you want a quick one-off estimate based on your current details.

  • One-off estimate of out-of-pocket childcare costs
  • Based on the details you enter
  • No account needed — free to use

Track My CCS

A$4.99/month

Use this if your circumstances may change during the year and you want to save a baseline, compare projected changes, and identify possible review points based on the details you enter.

  • Save a current CCS baseline
  • Re-check when life changes
  • Identify possible review points based on details entered
  • Cancel anytime

What changes can I check with Track My CCS?

Track My CCS helps you save your current CCS baseline and explore possible impacts when life changes. You can adjust and re-check estimated changes to your possible CCS position based on the details you enter.

Income & family details

  • Family income estimate
  • Partner income estimate
  • Family circumstances (e.g. family type)

Work & activity

  • Your work, study or activity hours
  • Partner's work, study or activity hours

Care arrangements

  • Childcare fees
  • Care days (number of days per fortnight)
  • Care hours (per day or session)
  • Session arrangements (e.g. fee type, session length)
  • Provider or service type

Life changes

  • Child starting school — transition to school-aged care
  • New child starting childcare
  • Current baseline no longer appearing to match real life

CCS Checkup does not determine entitlement, confirm eligibility or determine subsidised hours. Services Australia/Centrelink determines actual outcomes based on each family's individual circumstances.

Illustrative examples of what a checkup may reveal

Track My CCS can help compare a saved baseline with projected changes. These examples show the kind of possible review points a checkup may highlight based on the details entered.

Possible review point
Illustrative example only

You may be getting too much CCS this year.

Based on the details entered — your income, activity hours or care details may be worth checking.

Possible overpayment risk worth checking

Illustrative example only

$4,138

What to check next

Your income, activity hours or care details may be worth checking with Services Australia/Centrelink.

Current baseline (example)

Annual family income estimate$180,000
Est. fortnightly out-of-pocket$284
Est. fortnightly net CCS$796

Example only. Actual results depend on the details entered and each family's individual circumstances. Services Australia/Centrelink determines actual CCS outcomes.

Possible review opportunity
Illustrative example only

You may be missing out on CCS this year.

Based on the details entered — your updated income estimate or care details may be worth checking.

Possible additional CCS worth checking

Illustrative example only

$2,460

What to check next

Your updated income estimate or care details may be worth checking with Services Australia/Centrelink.

Baseline comparison (example)

Previous annual income estimate$145,000
Updated annual income estimate$118,000
Est. fortnightly out-of-pocketMay reduce based on details entered

Example only. Actual results depend on the details entered and each family's individual circumstances. Services Australia/Centrelink determines actual CCS outcomes.

Illustrative examples only. Actual results depend on the details entered and each family's individual circumstances. Track My CCS provides estimate-only decision support. Services Australia/Centrelink determines actual CCS outcomes.

A$4.99/month — cancel anytime.

What CCS Checkup helps families do

CCS Checkup helps families estimate their possible CCS position based on the details they enter. Families can save a current baseline and check whether those details may still match real life when circumstances change.

CCS Checkup is not connected to Services Australia or Centrelink, does not access official records, and does not determine actual CCS outcomes.

Why one-off estimates can become outdated

A one-off CCS estimate is based on the details entered at that time. When income, care days, childcare fees, activity or work hours, or family circumstances change, the previous estimate may no longer reflect the current situation. Ongoing checkups help families keep track of whether the details they have entered still appear to match real life.

CCS Checkup topics

Each topic covers a life change that may affect CCS estimates and when a checkup may be useful.

More CCS checkup topics may be added later.

Why families may choose ongoing checkups

Track My CCS is for families who want to save their current CCS baseline and re-check when life changes. It helps compare projected changes and identify possible review points based on the details entered.

  • Re-check when income changes
  • Re-check when childcare fees change
  • Re-check when care days or hours change
  • Re-check when work/activity hours change
  • Re-check when family circumstances change
  • Compare changes against a saved baseline

Track My CCS provides estimate-only decision support. It does not replace Centrelink or Services Australia. Services Australia/Centrelink determines actual CCS outcomes.

Ready to check your CCS?

Start with a free one-off snapshot, or use Track My CCS for ongoing checkups when life changes.

Free snapshot — no account needed. Track My CCS — A$4.99/month, login required, cancel anytime.

Built from real CCS experience

CCS Checkup was created from real parent experience with the Child Care Subsidy system, supported by a background in finance and numbers. It helps families estimate, check and better understand when their CCS details may need reviewing — especially when life changes.

Estimate-only decision support. Not financial, tax, legal, accounting, Centrelink, Services Australia or government advice.

Read why CCS Checkup exists

Disclaimer: CCS Checkup provides estimates and decision-support tools for general information only. Results are not guaranteed and do not constitute financial, tax, legal, or government advice. Actual CCS entitlements, subsidised hours, withholding, payments, debts and balancing outcomes are determined by Services Australia / Centrelink based on your individual circumstances. Always verify your details with Services Australia before making decisions or changes to your Centrelink records. CCS Checkup is not affiliated with, endorsed by, or operated by Services Australia or the Australian Government.

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