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Paying for care

Child care fee subsidy

A fee subsidy pays part or all of your licensed child care fee. It is separate from CWELCC — the $10-a-day system lowers what the centre charges everyone, and the subsidy then reduces what is left for your family. This page explains who qualifies, roughly how much you get, and how to apply.

Who

Income-tested families

Children under 13 in licensed care, with a reason for care.

How much

Up to the full fee

$0 contribution under $20,000 net income; 10% of income above it.

Where to apply

Your service manager

The municipality, region or district that funds care where you live.

Who qualifies

  • Age. A child under 13, or under 18 with a special need.
  • Residency. You live in the area the service manager covers; you generally apply where you live, not where the centre is.
  • Licensed care. The space is at a licensed centre or with a licensed home child care agency that holds an agreement with the service manager.
  • Reason for care. Employment, job search, school or training, a medical condition, or a referral from a social service or child welfare worker.
  • Income. Assessed on household adjusted net income (line 23600 of your most recent tax return) for each adult in the home. You must have filed taxes.

Immigration status is not a barrier in most provinces — permanent residents, refugee claimants and protected persons are typically eligible.

How much you get

Provinces use an income test rather than a flat amount. Ontario’s formula, used as the baseline here: households at or below $20,000 adjusted net income pay nothing, and above that the family pays 10% of the income over $20,000 per year, divided across the days the child actually attends. The subsidy covers the rest of the licensed fee. Thresholds and rates differ elsewhere in Canada, but the shape is the same — the lower your income and the fewer days of care, the more is covered.

Subsidy estimator

Estimate how much of the daily fee an income-tested child care fee subsidy could cover.

Line 23600 of your tax return.

Subsidy covers
$36.62/day
$792.72/month
You pay
$15.38/day
$333.08/month
How this is calculated
  1. 1. Income test. Household net income $60,000.00 minus the full-subsidy threshold $20,000.00 = $40,000.00 income counted.
  2. 2. Yearly family contribution. 10% of that amount = $4,000.00 per year.
  3. 3. Spread across enrolled days. 5 days/week × 52 weeks = 260 days of care a year, so the contribution is $15.38/day.
  4. 4. Against the fee. Fee $52.00/day − contribution $15.38/day = subsidy $36.62/day; you pay $15.38/day.

Subsidy covers about 70% of this fee.

Estimate only, based on an Ontario-style income test. Rules and thresholds vary by municipality and province — confirm with your local service manager before relying on these figures.

Ready to apply?

Send us your family details and we’ll save your subsidy request, give you a reference number and email you a confirmation with your estimate.

Start your subsidy application

Estimates only. Your service manager makes the binding assessment.

How to apply

  1. 1. Check your service manager

    Subsidy is administered locally — by a municipality, region, district social services board or provincial office, depending on where you live. Search your city or region name plus 'child care fee subsidy'.

  2. 2. Gather your documents

    You will normally need your most recent Notice of Assessment (line 23600) for each adult in the household, proof of address, identification for each child, and proof of your reason for care such as a work schedule or school enrolment letter.

  3. 3. Submit the application

    Most service managers accept online applications; some still take paper or phone intake. You do not need a confirmed space to apply, and applying early protects your place in the queue.

  4. 4. Find and secure a space

    Apply to licensed centres in parallel. Filter for centres that accept fee subsidy, then apply through CareQuay so your family details reach each centre at once.

  5. 5. Confirm and keep it current

    Once approved, tell your centre and the service manager which space you took. Report income, address, custody or work changes promptly, and re-confirm each year after you file taxes.

Common questions

Who qualifies for a child care fee subsidy?
Families with a child under 13 (or under 18 with a special need) who live in the service area, are using a licensed centre or licensed home child care, and need care for work, school, training, or because of a family situation. Eligibility is based on household adjusted net income from your tax return, not on employment status alone.
How much subsidy will I get?
Most provinces run an income test. In Ontario, households with adjusted net income at or below $20,000 pay nothing, and above that the family contributes 10% of the income over $20,000 per year, spread across the days the child attends. The subsidy pays the remaining licensed fee.
Does CWELCC replace the subsidy?
No. CWELCC lowers the base fee the centre charges everyone. A fee subsidy is then applied on top of that already reduced fee, so a low-income family at a CWELCC centre can pay little or nothing.
How long does approval take?
Most service managers assess within two to six weeks of receiving a complete application, though waitlists for subsidy funding exist in some regions. Subsidy is usually approved before you have a space, so apply to both at the same time.
Can I use the subsidy at any centre?
Only at centres and home child care agencies that hold a purchase-of-service agreement with your service manager. On CareQuay these are the records flagged 'accepts fee subsidy'.

General information, not financial or legal advice. Rules and thresholds change; confirm the current details with your local service manager before making decisions.