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Milk&Money Premium
At the moment, most of our calculators are free to access and ad-free because we believe that there should be one place where you can go to find out what you are entitled to when it comes to childcare subsidies in England. However, we have created some tools that offer more advanced features and personalised assistance, and to sustain their development, we've implemented a subscription model.
Our subscription service offers exclusive access to advanced tools tailored to individual circumstances, ensuring users maximise their entitlements efficiently. Currently, our flagship calculator is designed for individuals with incomes of £100k-£160k per year, helping them navigate the tax cliff edge where most childcare subsidies are lost.
As we continue to develop more tools for our Premium service, now is the perfect time to join. For just £25, you can secure a year's access and enjoy all future calculators as they become available. However, please note that this price is introductory and is likely to increase as the tools expand. Don't miss out on this opportunity to access valuable resources at a discounted rate—join now and take advantage of our growing suite of tools!
Welcome to Milk&Money
Annual Funded Childcare Savings
Part-Time v. Full-Time Calculator
Annual Funded Childcare Savings
If you want to estimate the savings you may achieve through tax free childcare and funded hours across a tax year, this calculator is for you. This is particularly helpful when modelling savings when your child becomes eligible for funding part way through a tax year.
Return to Work Calculator
Part-Time v. Full-Time Calculator
Annual Funded Childcare Savings
Working out the costs behind returning to work after having children can be really challenging. Our calculator helps you run the maths, and includes pension estimates too - a part often overlooked as a major benefit of paid employment!
Part-Time v. Full-Time Calculator
Part-Time v. Full-Time Calculator
Child Benefit Charge Reduction (tax year 24/25)
Figuring out the financial impact of reducing your hours can be tricky. Our calculator helps you compare earnings, childcare costs, and even pension contributions—so you can see the full picture and make the best choice for your future.
Child Benefit Charge Reduction (tax year 24/25)
Child Benefit Charge Reduction (tax year 24/25)
Child Benefit Charge Reduction (tax year 24/25)
Use this calculator to help you see how little it can cost you to add significant amounts of money to your pension if you are hit by the high income child benefit charge (incomes ~£60,000-£85,000)
£100k-£160k earners calculator
Child Benefit Charge Reduction (tax year 24/25)
£100k-£160k break even calculator
If you and/or your partner earns between £100k-£160k per year, you can still access tax free childcare and funded hours by contributing extra to your pension. Use our calculator to estimate the savings and you and your partner's take home after tax and other deductions.
£100k-£160k break even calculator
Child Benefit Charge Reduction (tax year 24/25)
£100k-£160k break even calculator
Use this calculator to work out the cost of adding extra money to your pension so that you can still access funding for childcare. You can work out the point at which you break even as well as learn more about how to optimise it.
Although optimal savings are typically achieved through early tax year planning, it's not too late to capitalise on opportunities for this year's funding. Act now to maximise your benefits—every day counts!
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Premium Service Available!
We offer tools specifically designed for those who are close to qualifying for tax-free childcare and funded hours...