Childcare hours & £100k cliff-edge calculator
Check if you qualify for 15 or 30 funded childcare hours and Tax-Free Childcare in England, and how much pension sacrifice gets you back under £100,000.
Your details
Household
Parent 1
Parent 2
Your entitlement
Funded childcare hours per week
0 hours
| Parent 1: adjusted net incomeOver £100,000 – not eligible | £105,000.00 |
| Parent 1: meets minimum earnings | Yes |
| Parent 1: extra pension needed to get under £100k | £5,000.00 |
| Parent 2: adjusted net incomeUnder £100,000 | £40,000.00 |
| Parent 2: meets minimum earnings | Yes |
| Working-parent funded hours | 0 hours/week |
| Universal 3–4 year old hours | 0 hours/week |
| Funded hours per week | 0 hours/week |
| Funded hours per year (38 weeks) | 0 hours |
| Tax-Free Childcare (per child, per year)Not eligible | £0.00 |
- • Each parent must expect to earn at least 16 hours × National Living Wage (£203.36/week) over the next 3 months.
- • If either parent's adjusted net income is over £100,000, the family loses 30 hours and Tax-Free Childcare.
- • Salary-sacrifice pension contributions lower adjusted net income. Hours usually start the term after your child reaches the eligible age.
- • Rules shown are for England. Under-21s and apprentices have lower minimum earnings.