How much child care subsidy on $95,000 income?

On a family income of $95,000, your Child Care Subsidy rate is 89%. For centre-based day care at $140/day, that means approximately $124.60 per day in subsidy, leaving you with $15.40 out-of-pocket per day.

What is the CCS rate for $95,000 family income?

The CCS subsidy percentage for a family earning $95,000 per year is 89%. This is calculated on the hourly rate cap ($14.63/hour for centre-based care), not on the actual fee if it exceeds the cap.

child care subsidy on $95,000 family income

how much CCS you get, what child care costs after subsidy, and how to maximise your entitlement on a $95,000 household income. 2025-26 rates.

your CCS rate

89%

on a family income of $95,000, the government pays 89% of the hourly rate cap — you pay the rest.

family income

$95,000

subsidy rate

89%

daily subsidy

$124.60

on $140/day fee

daily out-of-pocket

$15.40

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	you pay (daily)	weekly cost	annual cost
3 days	$15.40	$46.20	$2,310
4 days	$15.40	$61.60	$3,080
5 days	$15.40	$77.00	$3,850

annual costs based on 50 weeks of care.

hourly rate caps — what gets subsidised

the 89% subsidy is calculated on the hourly rate cap, not your actual fee.

care type	hourly cap	max hourly subsidy (89%)
centre-based day care	$14.63/hr	$13.02/hr
family day care	$12.81/hr	$11.40/hr
outside school hours care	$12.81/hr	$11.40/hr

activity test — hours you need to work or study

activity hours (per fortnight)	subsidised hours
8-16 hours	36 hours/fortnight
16-48 hours	72 hours/fortnight
48+ hours	100 hours/fortnight

could you increase your subsidy?

your family income of $95,000 puts you at a 89% subsidy rate. if you could reduce your assessable income by $9,721 (for example, through salary sacrifice to super), your CCS rate would increase to 90%.

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%
$85,000	90%
$90,000	90%
$95,000 (you)	89%
$100,000	88%
$110,000	86%
$120,000	84%
$130,000	82%
$140,000	80%
$150,000	78%
$175,000	73%
$200,000	68%
$250,000	58%
$300,000	48%
$350,000	38%
$400,000	28%
$500,000	8%
$535,000	1%

get a more precise estimate with your exact details

full CCS calculator

check other income levels

$40,000 $50,000 $60,000 $70,000 $80,000 $85,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $175,000 $200,000 $250,000 $300,000 $350,000 $400,000 $500,000 $535,000

this page provides estimates based on published 2025-26 CCS rates. your actual entitlement may vary. always check with Services Australia for a precise figure.