Estimate your government childcare top-up and the amount you may need to pay yourself.
Your estimated Tax-Free Childcare support
How the Tax-Free Childcare calculator works
For every £8 you pay into a childcare account, the government normally adds £2. That is a 20% contribution towards an eligible childcare bill. The top-up is capped for each child at £500 every three months, or £2,000 a year. For a disabled child, the cap is £1,000 every three months, or £4,000 a year.
This tool calculates each group separately so the higher disabled-child limit is not mixed with the standard allowance. It assumes the monthly cost entered applies to every child in that group.
Tax-Free Childcare limits
| Child category | Maximum every 3 months | Maximum per year |
|---|---|---|
| Standard allowance | £500 per child | £2,000 per child |
| Disabled child allowance | £1,000 per child | £4,000 per child |
Check the full scheme rules and apply through the official GOV.UK Tax-Free Childcare guide.
Eligibility points to check
You will usually need to be working or returning to work, meet the earnings rules and use an approved childcare provider. Your child will generally need to be aged 11 or under, or 16 or under if disabled. You must reconfirm your details every three months.
Tax-Free Childcare cannot normally be received at the same time as Universal Credit childcare support. Compare your possible entitlement with our Universal Credit Calculator. For broader family planning, use the Pregnancy Due Date Calculator, or estimate education costs with the School Fees Calculator UK.
Browse more UK tools on the United Kingdom Calculator homepage.
Frequently asked questions
How much does the government add?
The government usually adds £2 for every £8 you pay, subject to the per-child quarterly and annual caps.
What is the maximum annual top-up?
The usual maximum is £2,000 per child per year, rising to £4,000 for each disabled child.
Can I use Tax-Free Childcare with Universal Credit?
You cannot normally receive Tax-Free Childcare and Universal Credit childcare support at the same time. Compare which help is better for your circumstances.
Which childcare costs can qualify?
Approved providers can include registered nurseries, childminders, nannies, schools and eligible breakfast, after-school or holiday clubs.
Do I need to reconfirm my details?
Yes. You generally need to sign in every three months and confirm that your details remain up to date.