Tax-Free Childcare Optimiser

Maximise government top-ups across multiple children

What does this do?

UK Tax-Free Childcare gives you £2 free for every £8 you contribute (25% top-up), up to £500 per quarter per child. But with multiple children, overlapping nursery dates, and separate pots, it's complex to optimise.

This tool calculates the optimal monthly contribution for each child to maximise government money while avoiding overfunding or underfunding.

What's most important to you?

1Child #1

Current Pot Balance (£)

Check your TFC account

Monthly Nursery Cost (£)

Nursery End Date

Format: YYYY-MM (e.g., 2027-09 for Sep 2027)

Next Reconfirmation Date (optional)

When your £500 quarterly cap resets

Maximum Monthly Contribution Per Child (£)

💡 Optimal is £666/month per child to capture the full £500/quarter government top-up