Childcare

Working hours, journeys, budget and your relationship with the person who looks after your child: the solution you choose has to work day to day. This page is about the care of young children, which is separate from residence and parental authority after a separation.

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What childcare really costs

Nursery, childminder, home care: what it really costs.

Start with your needs and availability

Note the days and hours you need, the journeys that are possible and any closure periods that would cause a problem. In France, monenfant.fr recommends starting to look during pregnancy. Ask the local services about registration dates, waiting lists and the documents required: this page does not provide a calendar that applies to every country.

Before booking, ask in writing about the cancellation conditions and any sums that may be due. Registering early guarantees neither a place nor a free withdrawal. (Cnaf — Quel mode d’accueil choisir pour votre enfant ?)

Compare options without an automatic ranking

A mother hands her toddler to a nursery worker in the morning

Group care, individual care and in-home care do not meet the same constraints. Compare their cost and availability for your own situation, without assuming that one will always be cheaper or more flexible. (Cnaf — Quel mode d’accueil choisir pour votre enfant ?)

Group careAsk which hours are offered, how the groups are organised and what the closure periods are.
Individual careCheck the person’s status, the place where care is provided, the agreed hours and the possible solutions in case of absence.
In-home careClarify the tasks and, if several families share the care, how expenses and obligations are divided. The cost is not automatically halved.
Help from relativesAgree on the days, the rules and each person’s limits, as well as how to change the arrangement if necessary.

Compare a complete budget

Ask for a quote covering the same hours and the same period: rate or salary, any contributions, meals, supplies, extra hours, leave and closures. Identify what is included and what may be invoiced separately. In France, an assistante maternelle’s salary and the allowances for upkeep or meals are separate items.

Deduct only the financial support your situation entitles you to, taking into account when it is paid. For the French tax credit on childcare costs incurred outside the home, aid received is subtracted from the declared expenses and food costs are not counted. A cost estimate is not a decision to grant support. (Service Public — Salaire d’une assistante maternelle employée par un particulier ; Service Public — Crédit d’impôt pour frais de garde des jeunes enfants)

Preparing the visit and the contract

A father carrying his baby asks at a town hall family-services counter

Ask which approval or registration applies and with which authority it can be checked. Have the hours, the payment terms, the terms for ending the contract, the people present with the children and the way the day will be reported to you spelled out. A directory or an advertisement does not answer all these questions.

To prepare for the interview, here are some practical questions: how is a child supported who cries, eats little or has trouble sleeping? How does the gradual settling-in work? What rules apply when a child is ill? Who informs the parents, and what arrangement is planned if the person providing the care is absent? Also agree on a back-up solution with the people around you. (Cnaf — Quel mode d’accueil choisir pour votre enfant ?)

What the cited French study allows us to say

A young mother listens over tea as a childminder with curly grey hair describes her daily routine

The summary published by Ined in 2021 covers about 12,000 families in the Elfe cohort, made up of children born in 2011 in metropolitan France. It finds an association between nursery attendance and better language skills, particularly in disadvantaged backgrounds. It also reports, on average, slightly more negative behaviour, a result that is not found for disadvantaged children.

These observations do not demonstrate a general absence of negative effects, nor a guaranteed benefit for every child from a specific age. They are not enough to predict what a particular form of care will do for your child. (Ined — Crèche : un effet positif sur le développement du langage, particulièrement pour les enfants défavorisés)

Four benchmarks for reading local rules

The language of this page does not determine your nationality or the law that applies to your situation. The following examples illustrate differences between schemes; they are not a complete legal overview.

France

The complément de libre choix du mode de garde (CMG) can, under certain conditions, fund part of the direct employment of an assistante maternelle or an in-home carer. Salary, contributions and aid should be examined together; do not confuse the aid with the total amount to be paid. (Service Public — Complément de libre choix du mode de garde (CMG) : emploi direct)

Germany

§ 24, paragraph 2, of SGB VIII provides, between the first and third birthday, a right to care in a facility or in Kindertagespflege. The daily extent depends on individual need: this text does not promise a free full-time place in every municipality. (SGB VIII — § 24, Anspruch auf Förderung in Tageseinrichtungen und in Kindertagespflege)

England

The Free Childcare for Working Parents scheme is subject in particular to work and income conditions and requires an approved provider. It applies to England; Scotland, Wales and Northern Ireland have other schemes. Check your eligibility before including this support in your budget. (GOV.UK — Free Childcare for Working Parents)

South Africa

The Department of Basic Education runs the Bana Pele registration programme for ECD services. Its process distinguishes the initial application, the compliance check and the completion of registration: ask which stage the service has reached. The free service announced relates to registering with the programme, not to free childcare in general for families. (Department of Basic Education — Bana Pele ECD Registration Drive)

The law country by country

The legal framework, the procedure, the time limits and the costs differ from one country to another. Each country below has a detailed page: governing texts, key facts, the actual procedure, costs, where to go and the traps to avoid.

Select a country to open its detailed page.

European framework

European Union

Ten days of paternity leave, four months of parental leave of which two are non-transferable, five carers' days: this floor has been European since August 2022.

Europe

Ireland

The National Childcare Scheme combines a universal subsidy with an income-assessed one, and the ECCE programme gives two free preschool years.

Spain

Free and near-universal public nursery school from age 3 (segundo ciclo de infantil), public escuelas infantiles for 0-3 with income-based fees and long waiting lists — free in a growing number of regions —, private nurseries at 300 to 700 euros a month, a maternity tax credit of up to 1,000 euros a year for nursery fees, and equal, non-transferable birth leave of 16 weeks for each parent, rising to 19 weeks from 2026.

United Kingdom

Funded hours have been extended in stages to working parents of children from nine months in England, alongside Tax-Free Childcare; Scotland, Wales and Northern Ireland run their own schemes.

Western Africa

Ghana

Two years of kindergarten are part of free basic education, which makes Ghana unusual in the region; day care below four is private.

Nigeria

A one-year pre-primary class is attached to many public primary schools, while the real market is private crèches and nursery schools in the cities.

Middle Africa

Cameroon

Cameroon has public pre-school education (enseignement maternel) under the Ministère de l'Éducation de base (Ministry of Basic Education), but it reaches only a minority of children, especially in rural areas; private crèches and nursery schools are concentrated in Douala and Yaoundé, there is no public provision for children under three, and the extended family provides most childcare. There is no specific childcare allowance, and urban private provision costs about 10,000 to 60,000 CFA francs a month. UK support — Tax-Free Childcare, the funded hours and, in most cases, Child Benefit — does not follow a family that moves to Cameroon.

Eastern Africa

Kenya

Pre-primary education is a county function under the 2010 Constitution, which makes provision and quality vary sharply from one county to another.

Uganda

Pre-primary education is almost entirely private and fee-paying, which leaves most children outside it; family care fills the gap.

Zambia

Early childhood education has been annexed to public primary schools since 2013, though coverage remains partial and private centres serve the cities.

Southern Africa

South Africa

Nursery and early childhood programmes are a separate subject from care arrangements after parental separation. Registration and compliance need to be checked for the programme itself.

Southern Asia

India

The Anganwadi network reaches tens of millions of children with nutrition and preschool, while the Palna crèche scheme and the workplace crèche duty address the needs of working mothers.

Pakistan

There is no public childcare system; extended family carries almost all of it, and private day care exists only in the larger cities.

Eastern Asia

Hong Kong

Standalone childcare places for under-threes are very scarce, kindergarten from three is largely free under the Kindergarten Education Scheme, and foreign domestic helpers are the dominant solution.

South-eastern Asia

Malaysia

Registered TASKA childcare centres take children under four and TADIKA kindergartens take four- to six-year-olds, with tax relief and some workplace provision.

Philippines

Barangay child development centres provide free early education under the Early Years Act, and private preschools serve those who can pay.

Singapore

Infant and child care centres are licensed by the Early Childhood Development Agency, and basic plus additional subsidies bring the cost of an anchor-operator place down to a modest monthly figure for citizens.

Northern America

Canada

The Canada-wide early learning and child care agreements have cut regulated fees sharply towards a $10-a-day average, but the shortage of spaces has become the binding problem.

United States

There is no national childcare entitlement: costs are among the highest in the developed world, and support consists of a patchwork of state subsidies, Head Start and tax provisions.

Caribbean

Jamaica

The Early Childhood Commission registers and inspects every early childhood institution, and basic schools provide widely accessible low-cost provision.

Trinidad and Tobago

Government-built early childhood care and education centres provide free places for three- to five-year-olds, alongside private provision.

South America

Argentina

Jardines maternales (45 days to 2 years) and jardines de infantes (3 to 5 years), free in the public sector but scarce under 3 and compulsory at 4 and 5 since 2014; private nurseries at 150,000 to 500,000 pesos a month; Centros de Desarrollo Infantil for low-income families; ANSES family allowances and, since 2023, a tax deduction for childcare costs; 90 days' maternity leave and two days' paternity leave. Bilingual English-Spanish schools, a legacy of the British community, take children from kindergarten age.

Oceania

Australia

The Child Care Subsidy is means-tested and paid directly to providers, and since January 2026 a guaranteed minimum of subsidised hours applies regardless of parental activity.

New Zealand

Twenty Hours ECE covers three- to five-year-olds, the Childcare Subsidy helps lower-income families, and FamilyBoost refunds part of the fees paid by middle-income households.

Sources and scope of the information

HTML sources consulted on 28 October 2026. Administrative conditions may change. The cited study concerns a French population; it does not provide an individual guarantee.

Content updated in . The instruments cited can change: if in doubt, confirm with the official source given.

Text written with the help of AI, under the editorial responsibility of CAPIT; human reviews are occasional (method and sources: About). This content does not replace medical or legal advice. Spotted an error? Write to us.

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