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Money Back Australia
CCS buffer
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FY26 · childcare subsidy

Heading for a childcare subsidy debt?
Your Child Care Subsidy is paid on your estimated income, then reconciled against your actual income at balancing. If your income rose, you may be overpaid and face a balancing debt; if it fell, you may receive a top-up. This models your position from the income you enter — Services Australia determines the final amount.
Educational tool. Not financial advice.
Income your CCS was paid on (your lodged estimate)
The family income figure you gave Services Australia — the subsidy was paid on this.
$
Your best estimate of your actual income this year
Your lodged estimate plus any mid-year changes you know about. Balancing recomputes the subsidy against this.
$
Type of care
Hourly fee your service charges
The hourly fee on your statement. The subsidy is paid on the lower of this and the hourly rate cap for your care type.
$
Subsidised hours of care per fortnight
72 hrs
Withholding percentage you've set
Services Australia withholds a buffer of your subsidy (5% by default) and releases it at balancing if there's no debt. You can change it up to twice a year online through myGov.
Fortnights of subsidised care this year
26 fn