FREE Child Care Benefit Calculator
This Child Care Benefit Calculator aims to help Australian parents to estimate their Child Care Benefit (CCB) percentage and how much CCB and Child Care Rebate (CCR) they can get from Australian Government based on the Family Assistance Guide (Version 1.155 - Released 20 September 2012).
Please Note: The new Child Care Subsidy which replaces the CCR & CCR will commence in July 2018.
This Child Care Benefit Calculator estimates the Child Care Benefit Percentage (CCB %) based on no. of children in care (school or non-school children), the hours they are in long day care (LDC), and the family's adjusted taxable income (ATI). It shows the total annual Child Care Benefit (CCB), Child Care Rebate (CCR), and also works out the total child care fees that you actually pay after CCB and CCR. I believe this will help many Australian parents to understand their entitlement of CCB and CCR better so that they can manage their money better.
The Australia Government does have an online CCB & CCR estimator which can be accessed from this link. However, I just don't think it is very user-friendly. You can always verify the results from my Child Care Benefit Calculator by using the online CCB calculator from Centrelink.
This free Child Care Benefit Calculator can be used by families with different numbers of children. Below is a screen shot to estimate 4 children (two are school children, the other two are non school children) in care for an annual family income of $76,000. I hope this will give you a better idea that what you need to do and what this free Child Care Benefit calculator can tell you.
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The Child Care Benefit Calculator can estimate up to 10 children in total. Though it is not difficult to add in more but I just don't think many of us have more children than that. ☺ Here is an example to estimate 10 children in care for an annual family income of $180,000.
View full size image of FREE Child Care Benefit Calculator
This calculator is built in Microsoft Excel worksheet. You need to have Microsoft Excel 2007-2013 and Microsoft Windows to use it. You may be able to use the calculator with other applications that can open and read XLS spreadsheets, but this has not been tested.
Factors used by the Family Assistance Office in the calculation of Child Care Benefit
Taxable income percentage: it is a variable applied to a recipient's income in calculating their adjustment percentage. The taxable income percentage is affected by the number of children in care.
Multiple child percentage: it is a loading applied in determining an applicant's CCB percentage. The loading reflects the increased cost when more than one child in a family receives care. The multiple child percentage applies if more than one child attends the same kind of care in the same week.
Standard hourly rates: the CCB Standard hourly rate for approved care is $4.17 for FY2016. It takes effect on the first Monday of the income year.
Eligible child care hours: it is the total number of hours in sessions of care that are provided to the child in the week concerned, and for which the applicant is eligible for CCB. It is usually limited to 24 or 50 hours for each child per week. Some families are eligible for more than 50 hours for each child per week.
CCB percentage: this depends on a family’s adjusted taxable income and the number of children in care. It is determined by using the this formula (Multiple child percentage x Taxable income percentage). It can be a whole number or to two decimal places.
Schooling percentage: it is a loading used when calculating the adjustment percentage and an applicant's CCB entitlement for registered care. The percentage applied is 85 per cent if the child is a school child and 100 per cent if the child is not a school child.
If you would like to know more about the factors and formulas used in calculating the Child Care Benefit percentage and the payment, please visits the Family Assistance Guide Version 1.155 - Released 20 September 2012. Or you can go to the CCB Rate Calculation page directly.
Parents might also want to check out the Free Child Care Salary Sacrifice Benefit Calculator and the Free Medicare Levy Surcharge vs Private Hospital Insurance Calculator. They should be useful for parents whose money is often tight.
Child Care Subsidy
The new Child Care Subsidy will commence in July 2018. It will replace the Child Care Benefit (CCB) and Child Care Rebate (CCR) with a single, means-tested subsidy which will be paid directly to service providers.
Families earning $65,710 or less will receive a subsidy of 85 per cent of the actual fee charged (up to 85 per cent of an hourly fee cap). For family incomes above $65,710, the subsidy tapers from 85 per cent down to 20 per cent when family income reaches $340,000.
|Combined Family Income||Subsidy per cent of the actual fee charged (up to relevant percentage of the hourly fee cap)|
Up to $65,710^
85 per cent
More than $65,710^ to below $170,710^
Tapering to 50 per cent*
$170,710^ to below $250,000^
50 per cent
$250,000^ to below $340,000^
Tapering to 20 per cent*
$340,000^ or more
20 per cent
* Subsidy tapers down by 1 per cent for each $3,000 of family income. ^ Note: These provisions of the Package will be increased by CPI for implementation in July 2018.
When the subsidy commences the hourly fee caps will be:
|Service type||Maximum hourly fee cap|
Centre Based Long Day Care
Family Day Care
Outside School Hours Care
^ Note: These provisions of the Package will be increased by CPI for implementation in July 2018.
For families earning more than $185,710 an annual subsidy cap of $10,000 per child will apply.
Families will receive a fortnightly statement of child care usage from their service provider. This will make the service more accountable and provide greater transparency for families' entitlements, which includes the payment of the subsidy and out of pocket costs.
Activity Test Requirements
Family eligibility for the Child Care Subsidy will be determined by a three-step activity test, more closely aligning the hours of subsidised care with the combined hours of work, training, study or other recognised activity undertaken, and providing for up to 100 hours of subsidy per fortnight.
|Step||Hours of activity (per fortnight)||Maximum number of hours of subsidy (per fortnight)|
8 hours to 16 hours
More than 16 hours to 48 hours
More than 48 hours
A broad range of activities will meet the activity test requirements, including paid work, being self-employed, doing unpaid work in a family business, looking for work, volunteering or studying. There will be exemptions to the activity test for parents who legitimately cannot meet the activity requirements.
Some families who don't meet the activity test will be assisted through the new Child Care Safety Net including families on incomes of $65,710 or less a year who will be able to access 24 hours of subsidised care per fortnight without having to meet the activity test.
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