Government Support Explained
Decoding the acronyms so you get what you're entitled to.
Child Care Subsidy (CCS)
The CCS helps with the cost of approved childcare. The percentage you get depends on your family's combined income, activity level (hours worked/studied), and the type of childcare service.
- Up to 90% coverage for lower incomes.
- Requires both parents to meet the "Activity Test".
Family Tax Benefit (FTB)
A two-part payment that helps with the cost of raising children.
- Part A: Paid per child, based on family income.
- Part B: Extra support for single parents and single-income families.
Medicare Safety Net
If you have a lot of out-of-pocket medical costs (like pediatrician or speech pathology fees), the Medicare Safety Net lowers your out-of-pocket costs for out-of-hospital services once you hit the annual threshold.
Quick CCS Estimator
Not sure what your Child Care Subsidy percentage might be? Use this quick estimator based on the latest baseline rules.
* Disclaimer: This is a rough estimate only. Always check servicesaustralia.gov.au for exact entitlements.
Aussie Cost of Living Hacks
Smart ways to stretch your dollar further every week.
Half-Price Cycles
Coles and Woolworths run strict Wednesday-to-Tuesday half-price specials. Stock up on non-perishables (nappies, wipes, pantry staples) only when they hit 50% off.
Fuel Apps
Use state-based apps like FuelCheck (NSW) or the 7-Eleven app's "Price Lock" feature to secure the cheapest petrol prices in your area.
Energy Comparison
Don't pay the "lazy tax". Check Energy Made Easy (the government comparison site) annually to ensure you're on the cheapest electricity plan.