Build Back Better Child Care Copayment Calculator

Your details

Your state determines the State Median Income (SMI) baseline used to calculate eligibility and copayment rate.
Total gross annual income for your household before taxes.
USD/yr
Total number of people in your household. The State Median Income threshold is adjusted for family size.
people
What you currently pay (or expect to pay) for child care per year. The national average for center-based infant care is about $15,000/year. Used to estimate your potential savings.
USD/yr
Estimated annual copaymentLow copayment (0-2%)
$752

Maximum out-of-pocket child care cost under the BBB copayment cap

Monthly equivalent$63
Copayment rate0%
Income as % of SMI0.9%
Annual savings vs. current cost$14,248
First eligible yearFY 2022
State median income (your family size)$85,686
0.9% % of SMI
Fully subsidized<0.750-2% copay0.75-12-4% copay1-1.254-7% copay1.25-1.57% cap1.5+

Your estimated child care copayment under Build Back Better is $752/year.

  • Your income is 88% of the State Median Income for Texas, placing you in the 1.0% copayment tier.
  • Your annual copayment cap would be $752, or about $63 per month.
  • Compared to your current child care cost, you would save approximately $14248 per year (19.0% of your household income).
  • Based on the four-year phase-in schedule, your income tier would first be covered in FY 2022.

Next stepThese figures reflect the House-passed version of the bill (November 2021). The Act was not enacted into law; consult current federal and state child care assistance programs for actual eligibility.

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