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Family Money & Benefits

Childcare Cost vs Salary

The point at which a second income stops paying for itself, and the pension and progression effects that the break-even figure ignores.

Quick answer

Childcare at £1,100 a month takes 44% of a £42,000 salary's take-home pay, leaving £17,040 — and the calculation still ignores pension contributions and career progression, which usually argue for staying in work.

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Childcare Cost vs Salary

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It uses the McCrindle generation boundaries (Gen Alpha 2010–2024, Gen Beta 2025–2039) and UN World Population Prospects vital rates. Sources and formulas are on our methodology page.

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