Understanding Childcare Costs

Funded Childcare Hours

The UK government offers free childcare hours to help parents with costs. The amount available depends on your location and child's age:

England

15 hours per week for eligible working parents of children from 9-months to 3-year olds
30 hours per week for eligible working parents of 3-4 year olds

Scotland

1,140 hours per year for all 3-4 year olds
Some 2 year olds also eligible

Term Time Only

Full funded hours during term time
No funded hours during holidays
Higher savings during term time
Higher costs during holidays

Year-Round Distribution

Funded hours spread across the year
Consistent monthly costs
Easier budgeting
Lower but steady savings

Funding Distribution Options

The availability of term-time or year-round funding distribution depends on your childcare provider. Please check with them about their specific arrangements and which options they offer.

Additional Financial Support

Beyond funded hours, there are several other ways to get help with childcare costs:

Tax-Free Childcare

Get up to £2,000 per child per year towards childcare costs

Universal Credit

Claim back up to 85% of eligible childcare costs

Tax Credits

Get help with up to 70% of childcare costs

Important: This calculator provides estimates based on your inputs. Actual costs may vary depending on your provider's specific pricing, holiday periods, and other factors. Always check with your childcare provider and local authority for exact costs and funding eligibility.

What's My Childcare Cost?

Session costs

Funded Hours

Weekly Schedule

Tax-Free Childcare savings