For Australian families

Child Care Subsidy Calculator & Checkup Tool

Use CCS Checkup to get a free one-off estimate of your Child Care Subsidy — then keep checking when income, care days, childcare fees, school status, or family circumstances change.

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

Quick CCS Calculator — free one-off snapshot

Free tool

The Quick CCS Calculator provides a free one-off estimate of your out-of-pocket childcare costs based on your current family income, care hours, and fees.

  • Free to use — no account needed.
  • No subscription needed.
  • Estimate-only — results are not a guarantee of your actual CCS entitlement.
  • Useful for simple budgeting or checking a single care scenario.

Free. No account needed. No subscription needed.

Why one-off CCS estimates can become outdated

A one-off CCS estimate is based on the details you enter at the time. But your Child Care Subsidy situation is not static — it can change whenever your income, care arrangements, childcare fees, family structure, or circumstances change.

When the CCS details you have entered as your current baseline no longer appear to match real life, there may be a difference between the CCS you are receiving and the CCS you are likely entitled to. That difference can build up over the financial year.

That is why a one-off estimate is a useful starting point — but ongoing checkups are what help families stay on top of their CCS throughout the year.

Life changes that may affect your Child Care Subsidy

Consider checking your CCS details when any of the following apply:

  • Your income estimate changes.
  • You or your partner start, stop, or change work or activity hours.
  • Your child's care days or hours in care change.
  • Your childcare fees increase.
  • Your provider type changes.
  • A child starts school.
  • A new child starts care.
  • You add a partner or separate.
  • You are unsure whether your current CCS details still look right.

Even if nothing major has changed, a mid-year check can help you feel more confident before balancing time.

View all CCS checkup topics

Beyond a one-off calculator: Track My CCS

Ongoing checkups when life changes

Track My CCS is designed for ongoing CCS checkups — not just a one-off snapshot. It helps you compare the CCS details you have entered as your current baseline with projected real-life changes, so you can see whether your CCS situation may indicate possible debt risk, possible missed subsidy risk, or a possible review point.

  • Compare your current Centrelink CCS baseline against projected changes.
  • Check income, work/activity hours, care days, childcare fees, provider type, school status, and family circumstances.
  • Identify possible debt risk or possible missed subsidy risk.
  • Get clearer possible review points — what may be worth checking with Centrelink or your provider.
  • Save profiles and re-run checkups when your situation changes.

A$4.99/month — less than $5/month. Cancel anytime. Secure payment via Stripe.

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

See examples of what Track My CCS may reveal

Illustrative examples only — estimate-only decision support

Possible review point

You may be getting too much CCS this year.

Possible overpayment risk worth checking — $4,138 (illustrative example only)

Possible opportunity

You may be missing out on CCS this year.

Possible additional CCS worth checking — $2,460 (illustrative example only)

Track My CCS helps you compare a saved baseline with projected changes to identify possible review points based on the details entered. Services Australia/Centrelink determines actual CCS outcomes.

A$4.99/month — 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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