Break-Even Calculator
Is going back to work worth it? Find out how much you take home after childcare, and the exact days/week where you break even.
Your details
Enter your current monthly childcare cost at 5 days/week.
Working 5 days/week on a £40k salary, you take home
+£1,693/month
more than staying at home after childcare costs.
Monthly take-home: £2,693 | Monthly childcare: £1,000
Unlock the full breakdown: 3 tokens (approx. £1.50)
Net take-home and childcare cost for every day count (1 to 5 days/week), break-even figure. Tokens never expire.
Approximate, based on 2026/27 income tax and NI bands. Pension contributions not included. Verify with your payslip.