Net childcare cost calculator 2026

Method and limits

Subsidized option: in 2026 you pay only the reduced contribution of $9.65 a day. That contribution is not eligible for the childcare tax credit — the net cost is simply $9.65 × days.

Non-subsidized option: the refundable childcare tax credit reimburses 67% to 78% of eligible expenses, depending on family income (official 2026 Revenu Québec scale). Eligible expenses are capped per child: $12,525 under age 7, $6,305 for ages 7 to 13 ($17,145 with a severe disability).

• Limits: Quebec credit only. The federal child care expense deduction (claimed by the lower-income spouse) lowers the private option's cost further — it is not included here. Since 2026, the age limit is under 14 (except disability). Advance payments of the credit are possible through Revenu Québec.

Related calculators

Sources: Revenu Québec — 2026 childcare credit rate scale and eligible expenses; ministère des Finances du Québec — 2026 expense caps; reduced contribution of $9.65/day in 2026 (ministère de la Famille indexation). Parameters verified on October 16, 2026.