02/06/2026
Can we stop asking what everyone else charges and start asking what it actually costs to run a Family Day Care business?
Every time I see educators asking:
"What are others charging?"
"What's the going rate?"
"My scheme says I shouldn't charge above the cap."
I cringe.
The educator down the road doesn't have your mortgage, your bills, your expenses, your goals or your business.
Your fees should be based on your numbers, not theirs.
Have you factored in:
• Your wage
• Super
• Tax
• Sick leave
• Annual leave
• Food and resources
• Utilities
• Insurance
• Professional development
Because if you haven't, you may be working for less than minimum wage.
And that's exactly what I'm seeing happen.
Some educators are being encouraged to charge below the CCS cap without any consideration of what it actually costs them to operate.
That's not sustainable.
If educators can't run viable businesses, they'll close their doors. When that happens, children, families and the entire sector lose.
If you need help working out your numbers, send me a message with "Profitable FDC" and I'll send you the details of my step-by-step workshop that helps educators calculate the minimum hourly rate they need to run a sustainable business.
It's time we stopped guessing and started treating Family Day Care like the professional business it is.
your numbers