Question 1

How much paid parental leave am I entitled to in Australia?

Accepted Answer

The Australian government provides up to 22 weeks of Parental Leave Pay (increasing to 26 weeks by 2026) at the national minimum wage for the primary carer. Many employers offer additional top-up payments. Partners are entitled to 2 weeks of Dad and Partner Pay. Check with your employer for their specific policy.

Question 2

What is the Child Care Subsidy and how does it work?

Accepted Answer

The Child Care Subsidy (CCS) is a government payment that reduces the cost of approved childcare. The subsidy rate depends on your combined family income — lower income families receive a higher subsidy, ranging from around 90% for families earning under ~$80,000 down to 0% for families earning over $530,000. You also need to meet an activity test.

Question 3

How much does childcare cost in Australia?

Accepted Answer

Long day care typically costs $120–$200+ per day before any subsidy. After the Child Care Subsidy, many families pay $30–$80 per day. The Return to Work Calculator lets you enter your childcare costs, income, and CCS entitlement to see your true financial position.

Question 4

Is it worth going back to work full-time after having a baby?

Accepted Answer

The answer depends on childcare costs, your income, your partner's income, and your tax situation. Many families are surprised to find that the financial benefit of working is smaller than expected — but working also preserves career progression and super contributions. The Return to Work Calculator models all of this.

Question 5

When should I start planning financially for a baby?

Accepted Answer

Ideally 6–12 months before trying to conceive. This gives you time to build emergency savings (aim for 3–6 months of expenses), check your parental leave entitlements, review your health insurance (hospital cover), and plan how childcare costs will affect your budget once leave ends.

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