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Montessori Early Learning Centre

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Montessori Early Learning Centre

Child Care Subsidy Calculator Montessori ELC Quakers Hill

Planning your child's early learning can be easier when you understand how much you may need to pay. Our Child Care Subsidy Calculator helps families estimate their potential childcare costs after the Australian Government's Child Care Subsidy (CCS) is applied.

Instant estimate 2026–27 CCS rates 3 Day Guarantee

Montessori Early Learning Centre

Your personalised CCS estimate

Your family
Your children
Your estimate
Step 1

Tell us about your family

These details help estimate your standard CCS percentage and subsidised hours.

$120,000

Use your family's estimated Adjusted Taxable Income. A higher income generally means a lower CCS percentage.

Step 2

Add your children

Add children from oldest to youngest so the higher CCS rate for a younger eligible child is estimated correctly.

The calculation uses the configured Montessori Early Learning Centre session fees. Confirm current fees directly with the centre before making a decision.

Step 3

Your estimated costs

Switch the period below to view your estimate in the format most useful to you.

Total centre fees$0.00
Standard CCS rate0%
Estimated subsidy$0.00
Less 5% withholding−$0.00
Your out-of-pocket gap fee$0.00
Gap after estimated year-end balancing$0.00

Please note: This is an estimate only, based on the CCS settings configured for this calculator. Services Australia determines your actual entitlement.

Get your estimate and hear from us

We'll send the details to the Montessori Early Learning Centre team and email you a copy of your estimate.

Your information is used only to respond to your childcare enquiry.

Ready to see the centre?

Book a tour at Montessori Early Learning Centre

Meet our educators, explore the learning spaces and ask questions about fees, availability and your CCS estimate.

Book a tour Email the centre

Quakers Hill NSW 2763 · Info@montessorielc.com.au

Estimates only. Confirm your entitlement through Services Australia or myGov, or call the Centrelink Families line on 136 150.

What Is the Child Care Subsidy?

The Child Care Subsidy (CCS) is financial assistance provided by the Australian Government to help eligible families with the cost of approved early childhood education and care.

Instead of receiving the subsidy directly, CCS is generally paid to your approved childcare provider. The subsidy is then deducted from your childcare fees, reducing the amount you need to pay.

The amount of CCS you may receive depends on factors including your estimated annual family income, your childcare arrangements, the number of children in care and the number of subsidised hours available to your family.

Your CCS percentage is generally applied to the lower of your actual hourly childcare fee or the applicable CCS hourly rate cap.

Because every family's circumstances are different, using a childcare subsidy calculator can help you understand your potential costs before enrolling.

How Does Our Child Care Subsidy Calculator Work?

Our calculator provides an easy way to estimate your potential childcare expenses.

Depending on the information you enter, your estimated result may consider:

  • Estimated annual family income
  • Childcare fees
  • Number of children in care
  • Child's age
  • Number of childcare days or hours
  • Estimated CCS percentage
  • Subsidised hours
  • Estimated out-of-pocket costs

The result is an estimate only. Your final CCS entitlement is determined by Services Australia after assessing your individual circumstances.

How Much CCS Could You Receive?

Your estimated family income is one of the main factors that affects your standard CCS percentage.

For the 2026–27 financial year, eligible families with an estimated income of $88,520 or less can receive a standard CCS rate of up to 90%. Above this threshold, the standard CCS percentage gradually decreases as family income increases.

For example, a family with an estimated income of $110,000 may have a standard CCS percentage of approximately 85.7%, before other applicable factors are considered.

Families with more than one child aged five or under in care may also be eligible for a higher CCS rate for younger eligible children, depending on their circumstances. 

This is why it is important to consider more than just your income when estimating your childcare expenses.

Understanding the 3 Day Guarantee

From 5 January 2026, the Australian Government introduced the 3 Day Guarantee.

Under the current system, CCS-eligible families can receive at least 72 hours of subsidised care per fortnight, regardless of their recognised participation.

Some families may be eligible for up to 100 hours of subsidised care per fortnight, depending on recognised participation or an applicable exemption. 

The number of subsidised hours available to your family can affect your overall childcare costs, making it an important factor when planning your child's attendance.

What Can Affect Your Childcare Fees?

Your final out-of-pocket childcare cost can depend on several factors.

  • Family Income: Your estimated annual family income helps determine your CCS percentage. Generally, the standard subsidy percentage reduces as family income increases.
  • Childcare Fees: CCS does not simply cover a fixed percentage of your total daily fee. The subsidy is generally calculated using the lower of your actual hourly fee and the applicable hourly rate cap.
  • Number of Children: Having more than one eligible child in care may affect the CCS rate that applies to your family.
  • Subsidised Hours: The number of hours for which you can receive CCS can also affect your total childcare expenses.
Using our calculator allows you to consider these factors together and get a clearer estimate of your potential costs.

Quality Early Learning at Montessori Early Learning Centre

Understanding your childcare costs is only one part of choosing an early learning service. Families also want an environment where their children can learn, develop confidence and build independence.

At Montessori Early Learning Centre, our programs are based on the Montessori philosophy and support children's development through hands-on, purposeful learning experiences.

We provide programs for toddlers, preschool-aged children and children preparing for school. Our learning environments encourage independence, concentration, communication, practical life skills and social development.

For families searching for childcare Quakers Hill, our centre provides a nurturing environment where children can learn at their own pace while developing important skills for their future.

Our programs include:

  • Toddler learning programs
  • Preschool programs
  • Kindergarten and school readiness
  • Montessori learning experiences
  • Indoor and outdoor activities
  • Qualified educators
  • Enrichment activities
  • Family communication and updates

Choosing a Childcare Centre in Quakers Hill

Once you understand your potential CCS entitlement, you can begin comparing early learning options based on your family's needs, budget and preferred program.

Montessori Early Learning Centre has two convenient locations in Quakers Hill at 34 Lalor Road and 30 Pearce Road.

For parents comparing daycare Quakers Hill options, visiting a centre is a great way to see the learning environment, meet educators and understand what a typical day looks like for your child.

Our team can also help you understand our programs, enrolment process and childcare arrangements.

Book a tour and discover Montessori Early Learning Centre.

How Do I Apply for Child Care Subsidy?

Eligible families generally need to claim CCS through their Centrelink account linked to myGov.

Services Australia assesses your claim based on your family circumstances, including your estimated income and other relevant information.

Once your child is enrolled with an approved early learning provider, your childcare service can apply the approved CCS amount to your fees.

The calculator on this page is designed to help you estimate your potential costs, but it does not replace an official CCS assessment from Services Australia.

Frequently Asked Questions

What is a Child Care Subsidy Calculator?
A Child Care Subsidy Calculator helps families estimate their potential CCS percentage and out-of-pocket childcare costs based on information such as family income, childcare fees and hours of care.
How much CCS can I receive?
Your CCS percentage depends mainly on your estimated annual family income, along with other factors such as the number of eligible children in care. The standard CCS rate can be up to 90% for eligible families with income of $88,520 or less in 2026–27.
How many subsidised childcare hours can I receive?
Under the 3 Day Guarantee, CCS-eligible families can receive at least 72 hours of subsidised care per fortnight. Some families may qualify for up to 100 hours depending on their circumstances.
Does CCS cover all my childcare fees?
Not necessarily. CCS is generally calculated against the lower of your actual hourly fee or the relevant CCS hourly rate cap, so families may still have an out-of-pocket amount to pay.
Is Montessori Early Learning Centre CCS approved?
Yes. Montessori Early Learning Centre's Quakers Hill locations are approved services where eligible families can use their Child Care Subsidy
Where is Montessori Early Learning Centre located?
Montessori Early Learning Centre has locations on Lalor Road and Pearce Road in Quakers Hill, NSW.
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Acknowledgement of Country

Acknowledgement of Country — Montessori Early Learning Centre acknowledges all Traditional Custodians across Australia and recognises First Nations peoples’ continued cultural and spiritual connection to the land, sky and waterways that surround us. We pay our respects to Elders past, present and emerging.