One of the biggest questions parents ask when looking at childcare is, “How much is it actually going to cost?”
The answer depends on a few things, including your child’s age, how many days they’ll attend, where you live, and whether you’re eligible for government support.
The good news is that New Zealand offers a range of subsidies to help make early childhood education more affordable. Understanding what’s available can make planning your family’s budget a little easier.
Here’s a simple guide to how childcare costs and subsidies work.
Childcare costs vary across New Zealand
The cost of childcare isn’t the same everywhere.
Factors such as location, your child’s age, and the number of days they attend all play a part. Generally, caring for children under three is more expensive because centres are required to have lower teacher-to-child ratios.
For many families, childcare is one of their largest household expenses during the early years. That’s why it’s worth understanding what financial support may be available before choosing a centre.
If you’re comparing centres, it’s always a good idea to ask what’s included in the daily fee, such as meals, nappies, or extracurricular activities, as this can vary between providers.
The 20 Hours ECE scheme
Once your child turns three, they may be eligible for the Government’s 20 Hours Early Childhood Education (ECE) scheme.
This funding is available to all eligible three to five-year-olds attending approved early childhood education services across New Zealand.
Here’s what you should know:
- Up to 25 hours of funded early childhood education each week
- Available regardless of your household income
- Can be spread across multiple days
- Applies at approved and licensed ECE providers
While the education component is covered, some centres may still charge optional fees for things such as meals, excursions, or additional services. It’s always worth checking exactly what’s included with your chosen provider.
Childcare Subsidy for eligible families
Some families may also qualify for the Childcare Subsidy, administered by Work and Income (MSD).
This subsidy is designed to help eligible families with the cost of approved childcare and is based on factors such as:
- Household income
- Family size
- Your work, study, or health circumstances
- The number of hours your child attends childcare
Depending on your circumstances, the subsidy may contribute towards a portion of your childcare fees.
Because eligibility criteria and payment rates can change, it’s best to check the latest information directly with Work and Income.
Can you receive both?
Yes.
If your child is aged between three and five, it’s possible to receive both the 25 Hours ECE funding and the Childcare Subsidy, provided you meet the subsidy eligibility criteria.
For many families, combining these forms of support can significantly reduce childcare costs.
Planning ahead
If your child is under three, it’s worth thinking ahead to how your childcare costs may change once they become eligible for the 20 Hours ECE scheme.
Likewise, if you’re returning to work, increasing your hours, or your family’s circumstances change, you may become eligible for different types of financial assistance.
Taking the time to understand your options now can help avoid surprises later.
Don’t forget to ask questions
When visiting childcare centres, don’t be afraid to ask about fees and funding.
Some helpful questions include:
- What is included in the daily fee?
- Are meals provided?
- Are there any optional charges?
- How is the 25 Hours ECE funding applied?
- Can you help explain how government funding works?
A good childcare centre will be happy to explain its fee structure and point you towards the right resources if you have questions about subsidies.
Choosing the right childcare isn’t just about cost
Budget is an important part of the decision, but it shouldn’t be the only one.
The quality of care, experienced teachers, learning environment, nutritious meals, communication with families, and your child’s happiness all contribute to the overall value a centre provides.
Finding a place where your child feels safe, supported, and excited to learn is an investment that extends well beyond the weekly fee.
We’d Love to Help
If you’re exploring childcare options and have questions about fees, funding, or what a typical day at Bambinos looks like, our team is here to help.
Get in touch to book a tour of one of our centres. We’ll happily explain our fee structure, answer your questions about the 25 Hours ECE scheme, and help you understand the options available for your family.
Note: Government funding, subsidy rates, and eligibility criteria can change over time. For the most up-to-date information, we recommend visiting the official Work and Income (MSD) and Ministry of Education websites or speaking with our team during your visit.