What will childcare actually cost you?

Get a personalised CCS estimate in under 2 minutes.
Based on 2026–27 Australian Government subsidy rates.

Step 1 of 4 Family Income

What's your combined family income?

Your annual household income before tax is the main factor in your CCS percentage. Use your best estimate — this is indicative only.

$85,000
$0$150k$300k$450k$600k+

How much do you work, study, or volunteer?

Under the 3 Day Guarantee, all CCS-eligible families receive at least 3 subsidised days per week (72 hours per fortnight), regardless of activity. Families with more than 48 hours of recognised activity per fortnight can access up to 100 hours.

If you have a partner, the lower activity level is used. If not, your activity level is used alone.

Tell us about your care needs

We'll use the actual fees for your preferred centre to give you a real cost breakdown.

✓ 5-day rate applies — saving $2/day at this centre

Families with 2+ children under 5 may receive a higher CCS rate for younger children.

QLD Free Kindy provides 15 hrs/week for 40 school-term weeks. We'll show your potential saving if eligible.

Almost there — unlock your estimate

Enter your details to see your personalised breakdown. Our friendly team may follow up to discuss availability and enrolment.

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I'm happy for the Piptree team to be in touch about enrolment, fees, and centre availability. I understand this is an indicative estimate only — not a binding quote from Piptree or Services Australia.

Calculating your estimate…

Here's your estimate 👋

Based on your details and FY2026–27 subsidy rates. All figures per fortnight.

Estimated out-of-pocket cost
$—
per fortnight
Full fee (fn)
—
before subsidy
CCS subsidy (fn)
—
govt contribution
Subsidy rate
—
of eligible rate
Subsidised hrs
—
per fortnight
🌱 QLD Free Kindy — additional saving
OOP during kindy weeks
—
per fortnight (40 wks/yr)
Free Kindy saving
—
per kindy fortnight

QLD Free Kindy covers the gap fee on 15 hrs/week for 40 school-term weeks per year. During holiday weeks standard CCS-only rates apply. Eligibility requires your child to be in the year before Prep at a centre with an approved kindy program. Indicative estimate only.

🌼 Second child benefit: With 2 or more children under 5, younger children may attract a higher CCS rate. Contact us for a multi-child breakdown.
Important: This is an indicative estimate only, based on the information you provided and 2026–27 government subsidy rates. Actual CCS entitlements are determined by Services Australia via your MyGov / Centrelink account and may differ. Figures don't account for debt recovery, withholding amounts, or individual assessment outcomes. QLD Free Kindy estimates are subject to eligibility assessment by the Queensland Department of Education.
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