Qui Garde Bébé ?How much will childcare really cost you?
Enter your income and your needs: the CAF aid (CMG) and the tax credit are included, with the 2026 rules.
Indicative estimate from an independent tool. It does not replace official websites or professional advice. The exact CAF aid is calculated every month by the CAF from your Pajemploi declaration. Terms of use (in French)
Your childcare costs
Net taxable income from two years ago, divided by 12: the figure the CAF uses.
All your children, not only the one in childcare.
“Full year” means the child is cared for all year, the nanny's paid leave included.
The rate the childminder asks for.
Legal minimum: €3.92 for 9 hours.
Collective agreement minimum (level III): €12.97 gross, about €10.13 net per hour before paid leave.
Estimated cost to you
— / month
CAF aid—
Tax credit—
Cost before aid—
See the calculation
Rules as of 2 November 2026: CMG reform of September 2025, CAF scale of 1 April 2026. The exact amount is calculated by the CAF.
How the three options are calculated
- Childminder (assistante maternelle): salary + maintenance allowance, minus the CAF aid (CMG), minus the tax credit (50% of the remaining cost, up to €3,500 of costs per child under 6).
- Home nanny (garde à domicile): salary + estimated social contributions (about 80% of the net salary), minus the CAF aid on the salary and on contributions, minus the home-employment tax credit (50%).
- Nursery (crèche): public nurseries charge by the hour according to the national CAF scale, based on your income; the CAF aid is already in the price. Private micro-crèches set their own prices (often €9 to €12 per hour).
The tax credit is paid the following year: in the first year you pay the full amount each month and get the credit back in the summer. How the aid and tax credit work.