Navigating the costs of early childhood education in New Zealand can feel overwhelming. Fortunately, government support is available to help families manage childcare expenses. At Kia ora kids, we specialise in guiding parents through these options, ensuring your whānau can access quality care while maximising your financial support. One of the key programmes available is the Childcare Subsidy, administered by Work and Income New Zealand (WINZ).
What is the Childcare Subsidy?
The Childcare Subsidy is a government payment designed to assist families with the cost of early learning. Unlike the universal 20 Hours ECE programme, which provides free education for children aged three to five regardless of income, the Childcare Subsidy is income-tested, meaning it targets families on low to middle incomes who require extra support for childcare costs. You can learn more about eligibility and rates here.
This subsidy covers:
- Up to 9 hours per week if you are not working, studying, or in training
- Up to 50 hours per week if you are employed, studying, in approved training, or meet other WINZ criteria
It is important to note that the subsidy cannot be claimed for the same hours already funded under the 20 Hours ECE scheme.
Who is Eligible for the Childcare Subsidy?
To qualify, you must:
- Be the principal caregiver of a dependent child
- Be a New Zealand citizen or permanent resident
- Have a low or middle household income
- Normally live in New Zealand and intend to stay
- Your child must:
- Be under five, or over five if attending a cohort entry school, or under six if receiving a Child Disability Allowance
- Attend an approved early childhood programme for at least three hours per week
Approved programmes include licensed early childhood education centres such as kindergartens, childcare centres, playcentres, kōhanga reo, punanga reo, and home-based care. You can check the full list of approved programmes here.
How Much Can You Receive?
The subsidy amount depends on your household income and the number of children attending care. For example, as of 1 April 2025, families earning less than $1,099 weekly for one child can receive up to $6.52 per hour or $326 per 50-hour week. Rates adjust for higher incomes and additional children. Detailed information on current WINZ rates can help you understand exactly what support you may be entitled to.
How to Apply for the Childcare Subsidy
Applying for the Childcare Subsidy is straightforward but requires careful preparation. If you are already receiving other WINZ payments, you can use the SmartStart application portal. Otherwise, you can apply directly through WINZ by contacting them or completing the relevant online forms.
At Kia ora kids, we guide families through this process to ensure your application is accurate and timely. Our staff can assist with gathering documentation, completing forms, and communicating with WINZ, saving you time and stress.
Combining Childcare Subsidy with 20 Hours ECE
Many families wonder whether they can access both 20 Hours ECE and the Childcare Subsidy. While you cannot claim the subsidy for the same 20 hours, it is possible to combine them to cover additional hours beyond the universal ECE provision. For example, if your family qualifies for 30 hours of childcare support and you use 20 hours of ECE, you may be able to claim an additional 10 hours through the subsidy. Our team at Kia ora kids can help you structure your childcare hours to maximise these benefits.
Why Choose Kia ora kids?
At Kia ora kids, we are more than just an early learning centre. Our goal is to support families in navigating the financial and logistical aspects of childcare. Here’s how we help:
- Expert guidance on subsidy applications: We explain eligibility, assist with forms, and communicate with WINZ on your behalf
- Flexible enrolment hours: Our centres in Howick, Mount Roskill, and Panmure allow you to combine 20 Hours ECE with additional subsidised care
- Transparent fees: We clearly outline what is covered by government funding and what additional charges may apply
- High-quality early learning: Licensed by the Ministry of Education, we provide a safe, nurturing environment for infants, toddlers, and preschoolers
- You can book a tour of any of our centres to see how we can support your whānau and help you maximise your childcare subsidy.
Additional Support
Beyond the Childcare Subsidy and 20 Hours ECE, families may also qualify for other programmes such as the Guaranteed Childcare Assistance Payment (GCAP) or the OSCAR subsidy for before- and after-school care. More information on these schemes is available through Work and Income and can complement the support your family receives.
Understanding your eligibility and options for childcare support in New Zealand can make a significant difference to your family’s budget. The Childcare Subsidy is a valuable tool to reduce childcare costs, especially when combined strategically with 20 Hours ECE. At Kia ora kids, we provide personalised support to ensure your child receives high-quality early learning while helping your family save.
Don’t wait—book today and see how we can help you get the most from government-funded childcare support.