Childminder Tax Calculator 2025/26
Calculate your take-home pay as a registered childminder. See your tax, NI, and what you can claim for food, toys, home use, and Ofsted fees.
Common deductions for childminders
These are typical expenses you may be able to claim against your taxable profit.
Use of home
A proportion of your household costs — heating, electricity, water, council tax, and mortgage interest or rent — based on hours and rooms used for childminding.
Food and snacks
Meals and snacks provided to minded children. Keep receipts and note which purchases are for the children.
Toys, books, and craft supplies
Play equipment, educational toys, books, art materials, and other resources for the children.
Ofsted registration
Ofsted registration and renewal fees, and any costs of meeting Ofsted requirements.
DBS check and first aid
Enhanced DBS checks and paediatric first aid course fees — both required for registration.
Insurance
Public liability insurance and childminder-specific business insurance.
Training and qualifications
Safeguarding courses, EYFS training, food hygiene, and other CPD required or recommended for childminders.
Outings and transport
Entry fees for parks, soft play, and activities. Mileage for school runs and outings with minded children.
Yearly
£25,120
take-home
Monthly
£2,093
take-home
Weekly
£483
take-home
Deductions
Effective rate
16.27%
The actual percentage of your total income going to income tax and NI combined.Marginal rate
28%
The tax rate on your next £1 of income. Above £100k this can be 60% due to Personal Allowance tapering.Income tax bands
Where your money goes
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Try AI Tax Advisor — £9.99What expenses can a registered childminder claim in the UK?
Registered childminders can claim a proportion of home costs (heating, electricity, rent/mortgage interest, council tax), food for minded children, toys and books, Ofsted fees, DBS checks, first aid courses, insurance, training, and outing costs. For 2025/26, the first £12,570 of profit is tax-free. HMRC allows a simplified method or actual cost method for home expenses.
- Home costs: heating, electricity, water — proportioned by use
- Food and snacks provided to minded children
- Toys, books, and craft supplies
- Ofsted registration and DBS check fees
- Outings: entry fees, mileage for school runs
Last reviewed:
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