Tax-Free Childcare can save you up to £2,000 per child each year (or £4,000 if your child is disabled). This guide explains eligibility and walks you through the application, so you can start saving sooner.
Who is eligible?
Working parents earning at least the National Minimum Wage on average, but each earning less than £100,000.
Children aged 0–11 (or up to 17 if they have a disability).
Approved providers must be Ofsted-registered or approved childcare providers.
What you'll need
Have the following ready to speed up your application:
National Insurance numbers (for you and your partner, if applicable).
Child's date of birth and details.
Access to your Government Gateway account.
Step-by-step: Apply online
Create or sign in to your Government Gateway and start a Tax-Free Childcare application.
Complete eligibility checks by answering questions about your work, income, and your child.
Open your childcare account and add funds. The government tops up £2 for every £8 you pay in, up to the annual cap.
Pay your provider directly from your account. Ensure they're registered to accept Tax-Free Childcare payments.
Tips
Set a reminder to reconfirm your details every three months to keep receiving top-ups.
Combine with 15/30 free hours where eligible to maximise savings.
Conclusion
Applying for Tax-Free Childcare is straightforward and can free up a meaningful portion of your childcare budget. Use our Government Childcare Calculator to estimate your savings and plan the best combination of support for your family.
Maximise Your Childcare Savings
Use our Childcare Tax Calculator to easily estimate your savings and explore government support options tailored to your needs.
