Childcare Costs & Benefits

A costed childcare plan for every child, the government and employer support you qualify for actually claimed, invoices checked, eligibility kept live and the big transitions from nursery to school budgeted ahead.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Then open the Marketplace in the app, search for Childcare Costs & Benefits, and click Install. It goes into your own files, and works offline from then on.

Before you start: this plan is general information to help you organise your own money decisions. It is not financial, investment, tax or legal advice. Check decisions that matter with a qualified, licensed adviser in your country, and remember that investing and trading can lose money.

What it installs.

1

Pillar

1

Area

50

Projects

201

Starter tasks

💷 Personal Finance

Childcare Costs & Benefits

Planning for childcare costs and claiming available support such as tax-free childcare, vouchers or funded hours.

  1. Childcare needs map for the next three years
  2. Local childcare price survey
  3. Childcare support eligibility check
  4. Funded hours start dates for each child
  5. Working more hours versus childcare cost
  6. Childcare line in the household budget
  7. Government childcare account and portal set-up
  8. Childcare paperwork and provider details file
  9. Nursery waiting lists, registration fees and deposits
  10. Monthly childcare account top-up routine
  11. Three-monthly eligibility reconfirmation
  12. Monthly childcare invoice check
  13. Reporting childcare costs on a means-tested benefit claim
  14. School holiday childcare pot
  15. Termly wraparound and club booking round
  16. Effective hourly childcare cost tracker
  17. Annual fee rise and contract review
  18. Year-end childcare statements and tax claim pack
  19. How government top-up childcare accounts work
  20. What funded hours cover and what nurseries can charge on top
  21. The childcare element of means-tested benefits
  22. Employer childcare schemes and salary sacrifice
  23. Childcare tax credits and deductions where you live
  24. Reading a childcare contract before signing
  25. Upfront childcare cost help when returning to work
  26. Choosing between support schemes that cannot be combined
  27. Nursery, childminder or nanny on total cost
  28. Term-time or stretched funded hours
  29. Flexible working pattern to cut paid childcare hours
  30. Nanny share cost split agreement
  31. Sibling discounts and fees for twins or larger families
  32. Switching childcare provider without paying twice
  33. Au pair versus wraparound care on total cost
  34. Childcare go-live after parental leave
  35. Settling-in weeks and the first nursery invoice
  36. Summer holiday childcare plan and budget
  37. Starting school and rebuilding the childcare budget
  38. Leaving childcare support at age 11 or 12
  39. Backup care plan for closures and sick days
  40. Single parent childcare budget and extra support
  41. Separated parents sharing childcare bills
  42. Self-employed parent meeting the minimum income test
  43. Childcare for a disabled child and the higher support limits
  44. Paying grandparents or family for childcare
  45. Student and trainee parent childcare grants
  46. Shift workers and parents working unusual hours
  47. Employing a nanny with payroll, insurance and pension duties
  48. Challenging a refused claim or overpayment decision
  49. Childcare cost projection to secondary school
  50. Proposing workplace childcare support to your employer

Where it starts.

Each project arrives with its purpose, milestones and first tasks written out. Here is how the first three read.

Childcare needs map for the next three years

Childcare costs change sharply at a few predictable points: the end of parental leave, a birthday that triggers funded hours, the September a child starts school, the first long summer holiday. Laying out each child's age, school start date and the hours of care you need, term by term for three years, shows where the expensive stretches are before they arrive.

First tasks

  • List each child's date of birth and the term they are due to start school
  • Write the weekly hours of paid care you need in term time and holidays
  • Lay the hours out term by term for the next three years
  • Mark the terms where costs peak and share the map with your partner or co-parent

Local childcare price survey

Headline day rates hide most of the real cost: meals, nappies, late collection fines, closure days that are still charged and minimum session lengths. Collecting like-for-like prices from five or six local nurseries, childminders and clubs gives you a true monthly figure for the hours on your needs map, and a sense of what is normal in your area.

First tasks

  • Search your council's family information service list for registered local providers
  • Ask five providers for their full fee list, including meals and closure days
  • Convert every quote into a monthly cost for the hours on your needs map
  • Write down the local low, middle and high monthly figure

Childcare support eligibility check

Most families qualify for more than one kind of help, and many miss at least one: government top-up accounts, funded hours, the childcare part of a means-tested benefit, an employer scheme or a tax credit. Running your household through the official eligibility checker, with real income figures, turns a vague sense of what might be available into a short list of what you can claim.

First tasks

  • Write down each parent's expected yearly income and weekly working hours
  • Complete the official government childcare support checker
  • List each scheme you qualify for with its yearly limit and how to apply
  • Ask your employer's HR team what childcare support they offer

Make it yours.

Install Childcare Costs & Benefits, then tell Aurum the date you're aiming for. It checks whether the plan fits the weeks you actually have.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Blueprints are general information to help you organise your own work. They are not medical, financial, legal or other professional advice. See the Terms.