How much child care subsidy on $90,000 income?

On a family income of $90,000, your Child Care Subsidy rate is 88%. For centre-based day care at $140/day, that means approximately $123.20 per day in subsidy, leaving you with $16.80 out-of-pocket per day.

What is the CCS rate for $90,000 family income?

The CCS subsidy percentage for a family earning $90,000 per year is 88%. This is calculated on the hourly rate cap ($15.00/hour for centre-based care), not on the actual fee if it exceeds the cap.

How much does child care cost after subsidy?

With a 88% subsidy on $90,000 family income, child care at $140/day costs approximately $16.80 per day out-of-pocket. That is $50.40/week for 3 days, $67.20/week for 4 days, or $84.00/week for 5 days.

Child Care Subsidy on $90,000 Family Income

How much CCS you get, what child care costs after subsidy, and how to maximise your entitlement on a $90,000 household income. 2025-26 rates.

Your CCS Rate

88%

On a family income of $90,000, the government pays 88% of the hourly rate cap — you pay the rest.

Family Income

$90,000

Subsidy Rate

88%

Daily Subsidy

$123.20

on $140/day fee

Daily Out-of-Pocket

$16.80

you pay this

Your Out-of-Pocket Child Care Costs

Based on centre-based day care at $140/day (typical full-day rate)

Days/Week	Daily Cost	Subsidy Pays	You Pay (Daily)	Weekly Cost	Annual Cost
3 days	$140.00	$123.20	$16.80	$50.40	$2,520
4 days	$140.00	$123.20	$16.80	$67.20	$3,360
5 days	$140.00	$123.20	$16.80	$84.00	$4,200

Annual costs based on 50 weeks of care. Actual costs depend on your provider's fees and the hourly rate cap.

Hourly Rate Cap — What Gets Subsidised

The 88% subsidy is calculated on the hourly rate cap, not your actual fee. If your provider charges more than the cap, you pay the difference on top.

Care Type	Hourly Cap	Max Hourly Subsidy (88%)
Centre-based day care	$15.00/hr	$13.20/hr
Family day care	$13.73/hr	$12.08/hr
Outside school hours care	$13.73/hr	$12.08/hr

Activity Test — Hours You Need to Work or Study

The activity test determines how many hours of subsidised care you can access per fortnight. Recognised activities include paid work, study, training, volunteering, and looking for work.

Activity Hours (per fortnight)	Subsidised Hours	Approx Days/Week
8-16 hours	36 hours/fortnight	~2 days
16-48 hours	72 hours/fortnight	~3 days
48+ hours	100 hours/fortnight	~5 days

If both parents are working 48+ hours per fortnight, you can access up to 100 subsidised hours. The lower activity parent determines the entitlement.

Could You Increase Your Subsidy?

Your family income of $90,000 puts you at a 88% subsidy rate. If you could reduce your assessable income by $5,000 (for example, through salary sacrifice to super or additional tax deductions), your CCS rate would increase to 89%. That could save you hundreds of dollars per year in child care costs.

How Child Care Subsidy is Calculated on $90,000

Step 1: Your combined family income of $90,000 determines a subsidy rate of 88%. The rate decreases by 1% for every $5,000 of income above $80,000. You are $10,000 above the $80,000 threshold.

Step 2: The subsidy is applied to the hourly rate cap (e.g., $15.00/hr for centre-based care), not the actual fee. If your provider charges more, you pay the gap.

Step 3: The CCS is paid directly to your provider. You only pay the out-of-pocket amount. At the end of the financial year, your subsidy is reconciled based on actual income.

Step 4: The activity test limits how many subsidised hours you can access. Both parents (or carers) must meet the test — the lower activity level determines your entitlement.

CCS Rate by Family Income (2025-26)

Family Income	CCS Rate
$40,000	90%
$50,000	90%
$60,000	90%
$70,000	90%
$80,000	90%
$90,000 (you)	88%
$100,000	86%
$110,000	84%
$120,000	82%
$130,000	80%
$140,000	78%
$150,000	76%
$175,000	71%
$200,000	66%
$250,000	56%
$300,000	46%
$350,000	36%
$400,000	26%
$530,000	0%

Get a more precise estimate with your exact details

Full CCS Calculator

Check Other Income Levels

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General information and estimates only — not financial, tax, or legal advice. Always verify with Services Australia.