{"id":351,"date":"2024-12-23T09:09:06","date_gmt":"2024-12-23T09:09:06","guid":{"rendered":"https:\/\/stagingloom.com\/elc\/fees\/cost-estimator\/"},"modified":"2024-12-23T09:09:06","modified_gmt":"2024-12-23T09:09:06","slug":"cost-estimator","status":"publish","type":"page","link":"https:\/\/stagingloom.com\/elc\/fees\/cost-estimator\/","title":{"rendered":"Cost Estimator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"351\" class=\"elementor elementor-351\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b146f01 e-con e-atomic-element e-flexbox-base e-default-div e-57d0aae \" data-id=\"b146f01\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b146f01\">\n    \t\t<div class=\"elementor-element elementor-element-5defb30 elementor-widget elementor-widget-html\" data-id=\"5defb30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- WEB_CONTENT_START -->\n<!--\n===================================================================\nLEAD EARLY LEARNING CENTRES | 33 COST ESTIMATOR | BODY ONLY\nDesign: \"Bright Blocks\" (client approved). Built to plan PAGE 033 \/ P32 (Tool, Tier 1, MOVE + EXPAND from \/cost-estimator\/)\nof the Lead ELC Topical Authority Map.\nScope: every selector is prefixed with #lelc-calc. No html\/body\/* rules.\nIncludes the theme-proof protection layer (theme\/Elementor typography,\nborders and spacing cannot leak in). Paste this whole file into ONE\nElementor HTML widget (full-width container, 0 padding). Header +\nfooter come from Headerfooter.html templates.\nImages point to \/wp-content\/uploads\/<file>: upload the images\/upload\nfolder first, with month\/year folders switched off (Settings > Media).\n-------------------------------------------------------------------\nSEO PLUGIN FIELDS (paste into Rank Math \/ Yoast, not into the widget)\nMeta Title  (56): Childcare Cost Estimator | Estimate Your Fees in St Ives\nMeta Desc  (141): Estimate your weekly out of pocket childcare cost at our St Ives centre after Child Care Subsidy. Enter your days, income and activity level.\nCanonical: https:\/\/leadearlylearningcentres.com.au\/fees\/cost-estimator\/\nSlug: \/fees\/cost-estimator\/  |  Primary: childcare cost calculator\nBreadcrumb: Home > Childcare Fees and What You Actually Pay > Estimate Your Childcare Cost\n-------------------------------------------------------------------\nNOTES\n- 301 redirect at launch: \/cost-estimator\/ -> \/fees\/cost-estimator\/ (plan Part 2). The old page was a lead-capture form (Bit Form) that returned no figures; this tool calculates instantly in the browser and sends nothing anywhere.\n- Formula (Services Australia 2026-27, read 24 Sep 2026): standard rate 90% to $88,520 then minus 1% per $5,000 (floored to 2 decimals), 0% at $538,520; higher rate for the second child when both are 5 or under and income is under $370,727 (95% to $146,437, taper 1% per $3,000 to 80% at $191,437, 80% to $270,727, taper to 50% at $360,727, 50% to $370,727); hourly cap $15.19; subsidised hours 72 a fortnight, or 100 when both parents do more than 48 hours of recognised participation. Hours above the entitlement are charged at the full hourly fee. Start Strong (optional tick box) = $1,783 or $423 a year spread over 52 weeks, taken off after CCS, never below zero.\n- Constants live in data attributes on the .fcalc element (fee, hours, cap). CLIENT TO CONFIRM $170 fee, 11-hour session, and Start Strong participation; UPDATE every 1 July (CCS) and January (Start Strong).\n- Worked examples: $120,000, one child, 2 days = $30.15 a day, $60.30 a week; $165,000, two children aged 5 or under, 3 days = $45.18 + $21.61 = $66.79 a day, $200.37 a week.\n===================================================================\n-->\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Fredoka:wght@500;600;700&family=Karla:ital,wght@0,400;0,600;0,700;0,800;1,400&display=swap\" rel=\"stylesheet\">\n<div 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   <span class=\"vac\"><span class=\"dot\"><\/span>Instant &middot; nothing sent anywhere<\/span>\n      <h1>Estimate Your Childcare <span class=\"box\">Cost<\/span><\/h1>\n      <p class=\"hero-p\">Use this childcare cost calculator to see what a place at Lead in St Ives would cost your family each week after the Child Care Subsidy. Enter your family income, how many children and how many days, and it works out your subsidy, your daily gap and your weekly total straight away, using the 2026 to 27 rules. Nothing you type leaves your screen.<\/p>\n      <div class=\"pfacts\">\n        <div><b>$170<\/b><span>Daily fee<\/span><\/div>\n        <div><b>2026-27<\/b><span>CCS rules<\/span><\/div>\n        <div><b>2 children<\/b><span>Sibling rate<\/span><\/div>\n      <\/div>\n      <div class=\"btnrow\">\n        <a class=\"btn-y\" href=\"#lelc-calc-tool\">Start Estimating<\/a>\n        <a class=\"btn-w\" href=\"#lelc-calc-examples\">See Examples<\/a>\n      <\/div>\n    <\/div>\n    <figure class=\"pfig\">\n      <div class=\"ph\">\n        <img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/stagingloom.com\/elc\/wp-content\/uploads\/2026\/10\/lead-elc-abacus-counting.webp\" alt=\"A child counting on an abacus, a nod to the sums behind our childcare cost calculator\" width=\"640\" height=\"427\" fetchpriority=\"high\">\n      <\/div>\n      <div class=\"stick\">Your number in under a minute<\/div>\n    <\/figure>\n  <\/div>\n<\/section>\n\n<section class=\"sec\" style=\"padding-bottom:0;\">\n  <div class=\"wrap\">\n    <p style=\"max-width:880px;\">For the fee itself and how the subsidy works behind these numbers, see our page on <a href=\"\/elc\/fees\/\">childcare fees at Lead<\/a>.<\/p>\n  <\/div>\n<\/section>\n\n<!-- ============ H2 1 + TOOL ============ -->\n<section class=\"sec\" id=\"lelc-calc-tool\">\n  <div class=\"wrap\">\n    <span class=\"kick\">The estimator<\/span>\n    <h2>How to use the estimator<\/h2>\n    <p class=\"lead-p\" style=\"max-width:880px;\">To use the childcare cost calculator, enter your combined family income for the financial year, choose how many children will attend and how many days each, and tick the box if both parents work or study more than 48 hours a fortnight. Results update as you type, showing your subsidy rate, daily gap and weekly cost.<\/p>\n    <div class=\"fcalc\" data-fee=\"170\" data-hours=\"11\" data-cap=\"15.19\">\n      <div class=\"ein card\">\n        <div>\n          <label for=\"lelc-calc-income\">Family income for the year ($)<\/label>\n          <input id=\"lelc-calc-income\" type=\"number\" inputmode=\"numeric\" min=\"0\" step=\"1000\" value=\"150000\">\n          <p class=\"hint\">Both partners' adjusted taxable income, July to June.<\/p>\n        <\/div>\n        <div class=\"row2\">\n        <div>\n          <label for=\"lelc-calc-kids\">Children attending<\/label>\n          <select id=\"lelc-calc-kids\">\n            <option value=\"1\" selected>1 child<\/option>\n            <option value=\"2\">2 children<\/option>\n          <\/select>\n        <\/div>\n        <div>\n          <label for=\"lelc-calc-d1\">Days a week, first child<\/label>\n          <select id=\"lelc-calc-d1\">\n            <option value=\"1\">1 day a week<\/option>\n            <option value=\"2\">2 days a week<\/option>\n            <option value=\"3\" selected>3 days a week<\/option>\n            <option value=\"4\">4 days a week<\/option>\n            <option value=\"5\">5 days a week<\/option>\n          <\/select>\n        <\/div>\n        <\/div>\n        <div class=\"kid2\" hidden>\n          <label for=\"lelc-calc-d2\">Days a week, second child<\/label>\n          <select id=\"lelc-calc-d2\">\n            <option value=\"1\">1 day a week<\/option>\n            <option value=\"2\">2 days a week<\/option>\n            <option value=\"3\" selected>3 days a week<\/option>\n            <option value=\"4\">4 days a week<\/option>\n            <option value=\"5\">5 days a week<\/option>\n          <\/select>\n          <label class=\"chk\" for=\"lelc-calc-both5\" style=\"margin-top:12px;\"><input id=\"lelc-calc-both5\" type=\"checkbox\" checked> Both children are aged 5 or under<\/label>\n        <\/div>\n        <div>\n          <label class=\"chk\" for=\"lelc-calc-100\"><input id=\"lelc-calc-100\" type=\"checkbox\"> Both parents do more than 48 hours of work, study or similar each fortnight (or an exemption applies)<\/label>\n          <p class=\"hint\">Ticked: 100 subsidised hours a fortnight per child. Unticked: 72.<\/p>\n        <\/div>\n        <div>\n          <label class=\"chk\" for=\"lelc-calc-ss\"><input id=\"lelc-calc-ss\" type=\"checkbox\"> Include NSW Start Strong for a child aged 3 or 4 by 31 July<\/label>\n          <select id=\"lelc-calc-ssage\" aria-label=\"Start Strong age\" style=\"margin-top:8px;\">\n            <option value=\"4\" selected>Aged 4 or over by 31 July<\/option>\n            <option value=\"3\">Aged 3 by 31 July<\/option>\n          <\/select>\n        <\/div>\n      <\/div>\n      <div class=\"eout card\" aria-live=\"polite\">\n        <p class=\"side-h\">Estimated weekly cost<\/p>\n        <p class=\"big\" id=\"lelc-calc-week\">$0.00<\/p>\n        <dl>\n          <div><dt>Subsidy rate, first child<\/dt><dd id=\"lelc-calc-r1\">0%<\/dd><\/div>\n          <div><dt>Gap per day, first child<\/dt><dd id=\"lelc-calc-g1\">$0.00<\/dd><\/div>\n          <div class=\"kid2\" hidden><dt>Subsidy rate, second child<\/dt><dd id=\"lelc-calc-r2\">0%<\/dd><\/div>\n          <div class=\"kid2\" hidden><dt>Gap per day, second child<\/dt><dd id=\"lelc-calc-g2\">$0.00<\/dd><\/div>\n          <div><dt>Subsidised hours each fortnight<\/dt><dd id=\"lelc-calc-hrs\">72<\/dd><\/div>\n          <div><dt>Estimated fortnightly cost<\/dt><dd id=\"lelc-calc-fn\">$0.00<\/dd><\/div>\n        <\/dl>\n        <p class=\"warn\" id=\"lelc-calc-warn\" hidden><\/p>\n        <p class=\"fine\">An estimate only, before the 5% withholding. Your actual subsidy is set by Services Australia.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ============ H2 2 ============ -->\n<section class=\"sec why\">\n  <div class=\"wrap\">\n    <span class=\"kick\">Inside the numbers<\/span>\n    <h2>What the estimate includes<\/h2>\n    <p class=\"lead-p\" style=\"max-width:880px;\">The estimate uses our $170 full-day fee, an 11-hour session, the 2026 to 27 subsidy percentages, the $15.19 hourly cap and your fortnightly subsidised hours. Where two children in care are both 5 or younger, the younger one is costed at the higher sibling rate. Hours beyond your entitlement are priced at the full fee, and Start Strong is taken off last if you tick it.<\/p>\n    <div style=\"max-width:880px;\">\n      <p>Meals, nappies, sunscreen and our extracurricular sessions are already inside the $170, so what you see is close to your true out of pocket cost. There are no activity levies to add. See <a href=\"\/elc\/fees\/what-is-included\/\">everything inside the $170 daily fee<\/a> for the full list.<\/p>\n      <p>The subsidy rules it follows are published by <a href=\"https:\/\/www.servicesaustralia.gov.au\/how-much-child-care-subsidy-you-can-get\" target=\"_blank\" rel=\"noopener\">Services Australia<\/a>. For a plain-language guide to them, see <a href=\"\/elc\/fees\/child-care-subsidy\/\">how the Child Care Subsidy works<\/a>.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ============ H2 3 ============ -->\n<section class=\"sec\">\n  <div class=\"wrap split\">\n    <div>\n      <span class=\"kick\">Limits<\/span>\n      <h2>What it cannot account for<\/h2>\n      <p class=\"lead-p\">The estimator cannot see your Centrelink record, so it cannot account for the 5% withholding, Additional Child Care Subsidy, exact income changes during the year, absences beyond your allowance, or rule changes after publication. It also assumes a single fee for every room and Start Strong spread over 52 weeks.<\/p>\n      <p>Treat the result as a guide for budgeting, not a quote. Our team can check the details with you.<\/p>\n      <p>Families with three or more children in care, or complex shared care, should ask us for a tailored figure.<\/p>\n    <\/div>\n    <div class=\"stack\">\n      <div class=\"side card\">\n        <p class=\"side-h\">Not included<\/p>\n        <ul class=\"ticks\">\n          <li>5% withholding<\/li>\n          <li>Additional Child Care Subsidy<\/li>\n          <li>Three or more children<\/li>\n          <li>Future rule changes<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"fill art a-g\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/stagingloom.com\/elc\/wp-content\/uploads\/2026\/10\/lead-elc-art-swirl.webp\" alt=\"A green crayon swirl\" width=\"400\" height=\"552\" loading=\"lazy\"><span class=\"tag\">A guide, not a quote<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ============ H2 4 ============ -->\n<section class=\"sec prog\" id=\"lelc-calc-examples\">\n  <div class=\"wrap split\">\n    <div>\n      <span class=\"kick\">Example 1<\/span>\n      <h2>Worked example: two days, one child<\/h2>\n      <p class=\"lead-p\">A family earning $120,000 with one child attending two days a week receives a standard subsidy of 83.70%. On our $170 day, the subsidy is about $139.85, leaving a gap of $30.15 a day, or $60.30 a week. Two days use 44 of their 72 subsidised hours each fortnight, so every hour is covered.<\/p>\n      <p>Try it: enter 120000, one child, two days, and leave the boxes unticked.<\/p>\n    <\/div>\n    <div class=\"side card\">\n      <p class=\"side-h\">Two days, $120,000<\/p>\n      <dl class=\"facts\">\n        <div><dt>Subsidy rate<\/dt><dd>83.70%<\/dd><\/div>\n        <div><dt>Gap per day<\/dt><dd>$30.15<\/dd><\/div>\n        <div><dt>Per week<\/dt><dd>$60.30<\/dd><\/div>\n      <\/dl>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ============ H2 5 ============ -->\n<section class=\"sec\">\n  <div class=\"wrap split\">\n    <div>\n      <span class=\"kick\">Example 2<\/span>\n      <h2>Worked example: three days, two children<\/h2>\n      <p class=\"lead-p\">A family earning $165,000 with two children aged 5 or under, each attending three days, receives 74.70% on the elder child and 88.81% on the younger through the sibling rate. The daily gaps are $45.18 and $21.61, together $66.79 a day, which is $200.37 a week for the family.<\/p>\n      <p>Try it: enter 165000, choose two children, three days each, and keep \"Both children are aged 5 or under\" ticked.<\/p>\n    <\/div>\n    <div class=\"side card\">\n      <p class=\"side-h\">Two children, $165,000<\/p>\n      <dl class=\"facts\">\n        <div><dt>Older child<\/dt><dd>74.70%, $45.18<\/dd><\/div>\n        <div><dt>Younger child<\/dt><dd>88.81%, $21.61<\/dd><\/div>\n        <div><dt>Per week<\/dt><dd>$200.37<\/dd><\/div>\n      <\/dl>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ============ H2 6 ============ -->\n<section class=\"sec oshc\">\n  <div class=\"wrap split\">\n    <div>\n      <span class=\"kick\">Next step<\/span>\n      <h2>Next step: book a tour<\/h2>\n      <p class=\"lead-p\">Once you have a figure, the best next step is to see what it pays for. Book a tour, meet the educators in your child's room and bring your questions about fees and subsidy. It takes about 20 minutes on a weekday morning.<\/p>\n      <p>Prefer to talk first? Call <a href=\"tel:0272388668\">(02) 7238 8668<\/a>. When you are ready, our <a href=\"\/elc\/enrolment\/\">enrolment guide<\/a> sets out every step, and the <a href=\"\/elc\/\">Lead home page<\/a> has everything else.<\/p>\n    <\/div>\n    <div class=\"side card\">\n      <p class=\"side-h\">Ready to see the rooms?<\/p>\n      <p>A short weekday morning visit is the easiest way to decide. Bring your child if you like.<\/p>\n      <a class=\"btn-y\" href=\"\/elc\/enrolment\/book-a-tour\/\">Book a Tour<\/a>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ============ FAQ ============ -->\n<section class=\"sec why\">\n  <div class=\"wrap\">\n    <div style=\"text-align:center;max-width:780px;margin:0 auto;\">\n      <span class=\"kick\">Estimator questions<\/span>\n      <p class=\"fqh\">Cost estimates, answered<\/p>\n    <\/div>\n    <div class=\"faqwrap\">\n      <details class=\"fq\">\n        <summary>Is this estimate binding?<span class=\"pm\">+<\/span><\/summary>\n        <div class=\"ans\"><p>No, the estimate is a guide only. Your actual subsidy is set by Services Australia using your own details, and it is paid after the 5% withholding. The estimator uses the current published rules and our listed fee, so it should land close, but always confirm with us before you budget.<\/p><\/div>\n      <\/details>\n      <details class=\"fq\">\n        <summary>Does it include meals and nappies?<span class=\"pm\">+<\/span><\/summary>\n        <div class=\"ans\"><p>Yes, the estimate already covers them, because they are part of our $170 day rather than extras charged on top. You only supply a few items from home, such as a water bottle, hat, bedding, spare clothes and formula if your baby needs it.<\/p><\/div>\n      <\/details>\n      <details class=\"fq\">\n        <summary>What if my income changes?<span class=\"pm\">+<\/span><\/summary>\n        <div class=\"ans\"><p>If your income changes, enter the new yearly figure to see the effect, then update your estimate with Services Australia in myGov. Every $5,000 of extra family income lowers the standard rate by one percentage point, adding roughly $1.67 to each day's gap at Lead.<\/p><\/div>\n      <\/details>\n    <\/div>\n  <\/div>\n<\/section>\n\n<script>\n(function(){\n  var root=document.getElementById('lelc-calc');if(!root){return;}\n  var box=root.querySelector('.fcalc');if(!box){return;}\n  var FEE=parseFloat(box.getAttribute('data-fee')),HRS=parseFloat(box.getAttribute('data-hours')),CAP=parseFloat(box.getAttribute('data-cap'));\n  var q=function(id){return root.querySelector('#'+id);};\n  var inc=q('lelc-calc-income'),kids=q('lelc-calc-kids'),d1=q('lelc-calc-d1'),d2=q('lelc-calc-d2'),b5=q('lelc-calc-both5'),h100=q('lelc-calc-100'),ss=q('lelc-calc-ss'),ssa=q('lelc-calc-ssage');\n  function f2(n){return Math.floor(n*100+1e-9)\/100;}\n  function money(n){return '$'+n.toFixed(2).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,',');}\n  function pct(n){return n.toFixed(2).replace(\/\\.00$\/,'')+'%';}\n  function std(y){return y<=88520?90:Math.max(0,f2(90-(y-88520)\/5000));}\n  function hi(y){if(y<146437){return 95;}if(y<191437){return f2(95-(y-146437)\/3000);}if(y<270727){return 80;}if(y<360727){return f2(80-(y-270727)\/3000);}if(y<370727){return 50;}return null;}\n  function child(rate,days,ent){\n    var hr=FEE\/HRS,base=Math.min(CAP,hr),fh=days*HRS*2,sub=Math.min(fh,ent),un=Math.max(0,fh-ent);\n    var subF=Math.round(rate\/100*base*sub*100)\/100;\n    var perDay=Math.round((FEE-rate\/100*base*HRS)*100)\/100;\n    var fortnight=(un===0)?perDay*days*2:FEE*days*2-subF;\n    return {fortnight:Math.max(0,fortnight),perDay:Math.max(0,perDay),over:un};\n  }\n  function run(){\n    var y=parseFloat(inc.value);if(isNaN(y)||y<0){y=0;}\n    var two=kids.value==='2',ent=h100.checked?100:72;\n    root.querySelectorAll('.kid2').forEach(function(e){e.hidden=!two;});\n    ssa.disabled=!ss.checked;\n    var r1=std(y),c1=child(r1,parseInt(d1.value,10),ent),total=c1.fortnight,over=c1.over,r2=null,c2=null;\n    if(two){var h=(b5.checked?hi(y):null);r2=(h===null?r1:h);c2=child(r2,parseInt(d2.value,10),ent);total+=c2.fortnight;over+=c2.over;}\n    if(ss.checked){var relief=(ssa.value==='4'?1783:423)\/52*2;total=Math.max(0,total-Math.min(relief,c1.fortnight));}\n    q('lelc-calc-r1').textContent=pct(r1);q('lelc-calc-g1').textContent=money(c1.perDay);\n    if(two){q('lelc-calc-r2').textContent=pct(r2);q('lelc-calc-g2').textContent=money(c2.perDay);}\n    q('lelc-calc-hrs').textContent=ent+' per child';\n    q('lelc-calc-fn').textContent=money(total);q('lelc-calc-week').textContent=money(total\/2);\n    var w=q('lelc-calc-warn');\n    if(over>0){w.hidden=false;w.textContent=over+' hours a fortnight are above your subsidised hours and are included at the full fee.';}else{w.hidden=true;w.textContent='';}\n  }\n  [inc,kids,d1,d2,b5,h100,ss,ssa].forEach(function(el){el.addEventListener('input',run);el.addEventListener('change',run);});\n  run();\n})();\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"WebPage\",\n      \"@id\": \"https:\/\/leadearlylearningcentres.com.au\/fees\/cost-estimator\/#webpage\",\n      \"url\": \"https:\/\/leadearlylearningcentres.com.au\/fees\/cost-estimator\/\",\n      \"name\": \"Childcare Cost Estimator | Estimate Your Fees in St Ives\",\n      \"description\": \"Estimate your weekly out of pocket childcare cost at our St Ives centre after Child Care Subsidy. 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