Childcare + Mortgage Calculator - Family Affordability 2026

See your complete family budget: combined income after tax, mortgage repayments, childcare costs after the Child Care Subsidy, and living expenses. Find out how much disposable income you'll have.

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Enter your details above to get instant, accurate results. Our calculator uses current Australian rates and rules - updated regularly.

Need help? Our guides explain how each calculation works and what the results mean for you.