2026 Calculator
Child Care Subsidy Calculator
Estimate your copay and subsidy amount
Legal Disclaimer
This estimate is for planning purposes only. Eligibility for subsidies and benefits is determined by state agency evaluations and available program funding. Consult your local caseworker for final determinations.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What is the income limit for child care subsidies?
Federal rules require states to set income eligibility at 85% of State Median Income (SMI). For a family of 4, this is typically $60,000-$75,000/year depending on state. Many states set initial eligibility lower (150-200% FPL) but must allow families to continue until 85% SMI under recent rules.
How much is my copay for child care subsidy?
Copays are based on income and typically range from $0-$200/month. Federal rules cap copays at no more than 7% of family income. Low-income families (under 150% FPL) may have $0 copay in many states. Subsidy covers the difference between your copay and the provider's rate.
Who qualifies for child care assistance?
To qualify, you typically need: children under 13, work or attend school/training at least 20-25 hours/week, meet income limits, and be a U.S. citizen or qualified non-citizen. Priority is given to TANF recipients, homeless families, and children in protective services.