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Free Childcare Hours Calculator

See how many funded childcare hours your child can get, what they are worth, and what is left to pay.

Checked by the SumAtlas teamUpdated 7 October 2026SourcesHow we check our figuresIndependent: not a government website

Your child and childcare

Your child
Your childcare
More optionsOptional. The defaults suit most people; change these if your situation is different.

Free to use. Your details are not saved to an account.

Your summary

Funded childcare30 hoursa week, 38 weeks a year
Funded hours£9,690
Tax-Free Childcare top-up£1,326
You pay£5,304

That is 1,140 funded hours a year, worth about £9,690 at your provider's rate. Spread over 48 weeks it is about 23.8 hours a week. You pay about £5,304 a year for the rest, after Tax-Free Childcare.

3 or 4 years oldWorking parent hoursEngland

THE COMPLETE PICTURE

Your results in detail

Funded hours a year1,140
Value of funded hours£9,690
Childcare cost before help£16,320
You pay£5,304About £442 a month
What we assumed
Nation
England
Funded weeks
38 a year, can be stretched
Childcare
40 hours for 48 weeks at £8.50
Tax-Free Childcare
Used for the rest

Not right for you? Change it under More options.

Your childcare bill, split

A year of childcare and who pays for it.

Funded hours£9,690
Tax-Free Childcare top-up£1,326
You pay£5,304
ItemA year
40 hours × 48 weeks × £8.50£16,320
Funded hours−£9,690
Tax-Free Childcare (20%)−£1,326
You pay£5,304

Worth knowing

Applying and keeping your place.

Reconfirm every three months

You get a code to give your provider, and must reconfirm your details every three months through your childcare account. Missing it can mean losing the place.

Apply the term before

Apply for the working parent hours before the end of the term before your child becomes eligible. Funding starts on 1 January, 1 April or 1 September.

Scotland, Wales and Northern Ireland

The schemes differ. In Scotland every 3 and 4-year-old, and some 2-year-olds, get 1,140 hours a year whatever their parents' work.

England, 2026/27. Not financial advice.

THE FREE CHILDCARE GUIDE

Free childcare hours in England

Since September 2025, working parents in England can get 30 hours a week of funded childcare from the age of 9 months until their child starts school. Every 3 and 4-year-old gets at least 15 hours. This guide explains who qualifies, what the hours really cover, how stretching works and how to combine them with Tax-Free Childcare.

1In brief

The short answer

  • Working parents: 30 hours a week for children aged 9 months to school age.
  • All 3 and 4-year-olds: 15 hours a week, whatever their parents do.
  • Some 2-year-olds in families getting certain benefits: 15 hours a week.
  • Hours are for 38 weeks a year, or fewer hours a week spread over more weeks.
1,140
Funded hours a year at 30 hours
570
Funded hours a year at 15 hours
£203.36
Minimum weekly earnings for each parent
£100,000
Income limit for each parent
2Entitlement

What you get at each age

Funded hours in England from September 2025
Child's ageWorking parentsOther families
Under 9 monthsNoneNone
9 months to 2 years30 hoursNone
2 years30 hours15 hours if on certain benefits
3 and 4 years30 hours15 hours for everyone

Funding starts the term after your child reaches the age, on 1 January, 1 April or 1 September. A child born in October turns 9 months in July, so the funded hours start on 1 September. They continue until the child starts reception class, usually the September after their fourth birthday.

3Eligibility

The working parent test

In a two-parent household, both parents must meet the test; a single parent must meet it alone. Each parent must expect, over the next three months, to:

  • earn on average at least 16 hours a week at their National Minimum or Living Wage: £203.36 a week for those aged 21 and over, £173.60 for 18 to 20-year-olds and £128 for under-18s and apprentices;
  • have adjusted net income of £100,000 or less in the tax year.

The self-employed can use expected profit, and new businesses are exempt from the minimum earnings test for their first year. Parents on maternity, paternity, adoption or sick leave still count as working. If one parent cannot work because they are disabled, have caring responsibilities or get certain benefits, the other parent can still qualify.

The £100,000 cliff edge

If either parent’s adjusted net income goes over £100,000, the household loses the working parent hours entirely. A pension contribution or Gift Aid can bring income back under the limit and keep thousands of pounds of funding.

4Targeted help

15 hours for some 2-year-olds

Two-year-olds can get 15 hours a week, whatever their parents’ work, if the family gets certain support, including:

  • Universal Credit with household take-home earnings of £15,400 a year or less;
  • income-based Jobseeker’s Allowance, income-related ESA or Income Support;
  • some support for people with no recourse to public funds.

Children who are looked after by the council, have an education, health and care plan, get Disability Living Allowance, or have left care through adoption or a special guardianship order also qualify. Apply through your local council.

5Using the hours

Term time or stretched over the year

The entitlement is a number of hours a year: 1,140 for 30 hours and 570 for 15 hours. Nurseries open all year often spread them over more weeks.

Term time only
Weeks
38
Funded hours a week
30
Best for
Pre-schools, school nurseries
Stretched
Weeks
48
Funded hours a week
About 23.75
Best for
Year-round nurseries, childminders

Not every provider offers stretching, and some limit which sessions are funded. Ask how they apply the hours before you accept a place.

6The small print

What funded hours do and do not cover

The hours are free at the point of use: a provider cannot charge a top-up fee for them. Providers can, though, charge for:

  • meals and snacks;
  • consumables such as nappies and sun cream;
  • optional activities and trips;
  • any hours you use beyond the funded hours.

These charges must be voluntary, or you must be offered a way to bring your own food or supplies. In practice many families find that “30 free hours” still comes with a monthly bill.

7Worked examples

Worked examples

A 3-year-old, 40 hours a week, 48 weeks, £8.50 an hour, working parents
  1. Childcare used: 1,920 hours£16,320
  2. Funded hours: 1,140 × £8.50−£9,690
  3. Left to pay£6,630
  4. Tax-Free Childcare: 20% of £6,630−£1,326
You pay a year£5,304

Without the working parent hours, the same child would get the universal 570 hours, worth £4,845, leaving £11,475 to pay. The working test is worth about £4,845 a year here, before Tax-Free Childcare.

A 1-year-old, 30 hours a week, 51 weeks, £9.50 an hour, working parents
  1. Childcare used: 1,530 hours£14,535
  2. Funded hours: 1,140 × £9.50−£10,830
Left to pay before Tax-Free Childcare£3,705

A family using 30 hours a week in term time only, 38 weeks a year, pays nothing for the hours themselves, apart from any meals or consumables.

8How to apply

Applying and the eligibility code

  1. Term beforeApply online

    Through the government childcare service. Apply by 31 August, 31 December or 31 March to start the following term.

  2. After applyingGet your code

    You get an 11-digit code to give to your provider with your National Insurance number and your child's date of birth.

  3. Every 3 monthsReconfirm your details

    Log in and confirm you still meet the work and income tests. You get reminders by email.

If you stop meeting the test, you usually keep the hours until the end of a short grace period, which lets you find work again or adjust childcare. The universal 15 hours for 3 and 4-year-olds are claimed directly through your provider without a code.

9More help

Combining with other help

  • Tax-Free Childcare: can be used alongside funded hours to pay for extra hours, meals and holiday clubs. The government adds 20%, up to £2,000 a year per child. See the Tax-Free Childcare calculator.
  • Universal Credit childcare costs: UC can repay up to 85% of what you pay for childcare. You cannot use Tax-Free Childcare at the same time, but you can use funded hours with either.
  • Employer schemes: some employers offer workplace nurseries or older childcare voucher schemes.
10Elsewhere

Scotland, Wales and Northern Ireland

Scotland: all 3 and 4-year-olds, and eligible 2-year-olds, get 1,140 hours a year of funded early learning and childcare, regardless of their parents’ work.

Wales: 3 and 4-year-olds get early education, and working parents can claim up to 30 hours a week in total through the Childcare Offer for Wales. Flying Start supports some younger children.

Northern Ireland: a pre-school place is offered in the year before school, and a separate childcare subsidy scheme helps working families.

11Timing

When the funding starts: examples

Working parent hours start dates
Child's birthdayTurns 9 monthsFunded hours startApply by
15 October 202515 July 20261 September 202631 August 2026
10 February 202610 November 20261 January 202731 December 2026
20 May 202620 February 20271 April 202731 March 2027

Apply early: the code can be issued up to 16 weeks before you are eligible, and many nurseries need it before they confirm a funded place. The same pattern applies when a child turns 3 and moves on to the universal hours.

12Choosing childcare

Choosing a provider

Funded hours can be used at any provider that is registered and offers funded places, including:

  • day nurseries and pre-schools;
  • nursery classes in schools;
  • registered childminders.

Before you sign up, ask:

  • How are the funded hours applied: term time only, or stretched?
  • Which sessions are funded, and can you choose the days?
  • What do meals, nappies and other extras cost, and are they optional?
  • What is the rate for hours above the funded hours?
  • Do they accept Tax-Free Childcare payments?

Comparing the total yearly cost, not just the hourly rate, gives a truer picture. A nursery with a lower hourly rate but a high daily charge for meals can work out dearer.

13Older children

After your child starts school

Funded hours stop when your child starts reception class. For school-age children, help with childcare costs comes from:

  • Tax-Free Childcare, until the September after they turn 11 (16 if disabled);
  • Universal Credit childcare costs, if you claim UC;
  • breakfast and after-school clubs, which many primary schools in England are expanding.

Holiday clubs are often the biggest cost for working parents of school-age children. Paying for them through Tax-Free Childcare saves 20%.

14Budgeting

A monthly view of the cost

Most nurseries bill monthly, often spreading a year’s fees over 12 equal payments. For a 3-year-old in nursery 40 hours a week for 48 weeks at £8.50 an hour:

Yearly and monthly cost, England, 2026/27
SituationA yearA month
No funded hours£16,320£1,360
Universal 15 hours only£11,475£956
Working parent 30 hours£6,630£553
30 hours plus Tax-Free Childcare£5,304£442

The difference between the universal hours and the working parent hours is worth about £400 a month here, which is why the earnings and income tests matter so much.

15Extra support

Children with special educational needs

Children with special educational needs or disabilities get the same funded hours, and providers must make reasonable adjustments so they can use them. Councils have extra funding to help:

  • the Disability Access Fund, a yearly payment to the provider for 3 and 4-year-olds who get Disability Living Allowance;
  • a special educational needs inclusion fund, to support children with lower-level needs;
  • the 2-year-old offer, open to any 2-year-old who gets Disability Living Allowance or has an education, health and care plan.

Speak to your provider and your council’s family information service about what is available locally.

16Keeping the hours

If your work or income changes

If you stop meeting the working parent test, for example after losing a job, you do not lose the place straight away. A grace period lets you keep the funded hours for a time, usually until the end of the following term, while you find work or rearrange childcare.

If a parent’s income rises above £100,000 because of a bonus or promotion, the household stops qualifying from the next reconfirmation. A pension contribution or Gift Aid donation made in the same tax year can bring adjusted net income back down.

17Clearing up

Common misunderstandings

  • “30 hours means 30 hours every week of the year.” It is 1,140 hours a year, usually 38 weeks.
  • “It is means-tested on household income.” Each parent is tested separately, with a £100,000 limit each.
  • “Part-time workers cannot qualify.” 16 hours a week at minimum wage is enough.
  • “It is automatic.” The working parent hours need an application and a code.
18Summary

Key numbers

30 hours
Working parents, 9 months to school
15 hours
All 3 and 4-year-olds
1,140
Funded hours a year at 30 hours
38 weeks
Standard funded year
£203.36
Weekly earnings needed, age 21+
£100,000
Adjusted net income limit
3 months
How often you reconfirm
£15,400
UC earnings limit for the 2-year-old offer
Questions

Frequently asked

Who gets 30 hours free childcare?

Working parents in England with children from 9 months to school age, where each parent earns at least £203.36 a week (age 21 and over) and has adjusted net income of £100,000 or less.

Do all 3-year-olds get free childcare?

Yes. Every 3 and 4-year-old in England gets 15 hours a week, 570 hours a year, whatever their parents' work.

Are the 30 hours really free?

The hours themselves are, but providers can charge for meals, consumables and extra hours.

Can I stretch the hours over the year?

Yes, if your provider offers it. The 1,140 hours can be spread over more than 38 weeks, giving fewer hours each week.

Can I use Tax-Free Childcare as well?

Yes. Tax-Free Childcare can pay for hours and charges not covered by the funded hours.

Can I use the hours with a childminder?

Yes, if the childminder is registered with Ofsted or a childminder agency and offers funded places.

Can I split the hours between two providers?

Usually yes, though there may be limits on how many sessions a day count. Check with both providers.

Do I lose the hours if I go on maternity leave with a new baby?

No. Parents on statutory leave still count as working for the older child's hours.

Do the hours count as income for benefits?

No. Funded hours are not paid to you, so they do not affect your other benefits.

What if my income changes during the year?

The test is about what you expect to earn over the next three months. Reconfirm honestly each time; if you stop qualifying, a grace period usually applies.

Do both parents have to work if we are separated?

No. The test applies to the parents in the child's household. A single parent only needs to meet it themselves.

Can I use funded hours at a nursery in another council area?

Yes. Funding follows the child, so you can use a provider near your work rather than your home, as long as it offers funded places.

What if my nursery is full?

Your council must help you find a funded place. Contact its family information service.

Good to know

England, 2026/27. Not financial advice.