BubbaDesk Coworking & Childcare

BubbaDesk Cost Calculator

Compare coworking & childcare with centre based care.

BubbaDesk

How does BubbaDesk compare?

See your real monthly costs side by side — traditional long-day care after CCS versus BubbaDesk after GST and tax savings.

Your details

Combined household income (drives CCS rate)

Higher earner's income (drives marginal tax rate)

Your Child Care Subsidy (CCS) rate

Services Australia rate

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Based on combined household income

Effective in-year rate

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Used in this calculator

5% Centrelink withholding: Centrelink automatically withholds 5% of your CCS throughout the year as a buffer against overpayments. This means your day-to-day out-of-pocket costs are slightly higher than the headline rate suggests. The withheld 5% is reconciled when you lodge your tax return — if you haven’t been overpaid, it is returned to you.

Daycare daily fee

Session length (hours the centre is open per day)

This is the centre’s total operating hours per day — not the hours your child attends. The CCS cap of $14.63/hr applies to this full session length to determine the maximum subsidised daily amount.

BubbaDesk location

Commitment term

Monthly (+6%) 3 months (base) 6 months (−5%) 12 months (−10%)

Effective CCS rate used

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Marginal tax rate

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Estimates only. CCS rates sourced from Services Australia (updated July 2024). Tax deductibility of coworking expenses is subject to ATO guidelines and individual circumstances. Consult a financial adviser for personal advice.