Childcare

It is the most structuring decision of the first three years: it sets the household budget, who goes back to work — usually the mother — and the rhythm of the whole family. And it has to be arranged far earlier than people expect.

The pages in this section

What childcare really costs

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

Start during the pregnancy, not after

This is the most useful advice on the page, and the one most often given too late. In high-demand areas, nursery places are booked in the second trimester, and the most sought-after childminders are full six to twelve months ahead. An application made at the birth arrives, almost everywhere, after the places have gone.

The practical rule: register everywhere, early, including places you are not sure you want. Withdrawing is free; having no solution in September is not.

The four options, compared honestly

Group settingNursery, day care, kindergarten. Qualified staff, fixed hours, early socialising, closure when your child is ill. The cheapest option for lower-income families where fees are income-related, and the hardest to obtain.
Registered home carerA childminder or family day carer, registered and inspected, looking after a few children in her own home. Flexible hours, a family setting, but dependence on one person — her holidays and sick days are yours.
Nanny at homeSomeone comes to you, alone or in a nanny share between two families. The most flexible and the most expensive; a nanny share halves the cost and remains the sector's best-kept secret.
FamilyGrandparents and relatives. Free, warm, and the leading cause of family arguments about upbringing. Set it out explicitly: days, hours, rules, and what happens if it stops working.

What it really costs

The advertised rate means nothing until you subtract support and add the extras. Four items are systematically forgotten:

The useful comparison is therefore net annual cost per hour of care after support, not the advertised hourly rate.

Finding someone you trust

What to check, whatever the platform

Official registration, public liability insurance, paediatric first aid training, two references you actually telephone, and a written contract. A settling-in period of several days, with you present and then absent, is not a courtesy: it is how you see what the person does when the child cries.

Questions to ask at interview

What the research says about group care

The major longitudinal studies agree: good-quality care from the second year has no adverse effect on development and has a positive effect on language and school readiness, particularly for children from lower-income homes. The decisive variable is not the type of care but its quality — the adult-to-child ratio, staff stability, and the quality of interactions. A poor nursery is not better than an attentive childminder, and the reverse is equally true.

The thing nobody plans for

The first year of childcare is a year of illness: colds, ear infections and stomach bugs, repeatedly. It is normal and it passes, but it means around ten days of unplanned absence to absorb. Couples who decide in advance who stays home, alternating, get through that year far better than those who improvise each time.

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.

Britain and Ireland

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.

Ireland

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

North America

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.

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.

Australia and New Zealand

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.

South 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.

South-East and East Asia

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.

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.

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.

Africa

South Africa

Early childhood development moved to the Department of Basic Education in 2022, and a per-child subsidy is available to registered centres — but most children attend unregistered ones.

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.

Kenya

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

Ghana

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

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.

The 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.

This topic is also covered for French-speaking countries · German-speaking countries · Spanish-speaking countries · Italy and Italian-speaking Switzerland · Portuguese-speaking countries · the Netherlands, Flanders and Suriname.

Page checked in September 2026. The instruments cited can change: if in doubt, confirm with the official source given.

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