Data minimisation throughout: age bands not birthdates, no names required, delete any time.
This section answers what a household decision is worth. Add a partner, children and childcare and PayLens combines both incomes with the subsidy and the tax on the extra day, so you can see whether another workday, a change in care or a change in hours leaves the household ahead.
Tools in this section
Second IncomeWhat a partner’s income adds after tax and withdrawal.
Day Four TestWhether an extra workday pays for itself.
Parental LeavePaid leave, super and the return-to-work position.
Return-to-Work
FLAGSHIP
Days worked vs disposable household income — tax, CCS childcare and commute included. We never recommend how many days to work.
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Commute $16/day · 1 child in care · CCS — from a family income of $222,464 (Services Australia income test)
3 days0.6 FTE
— /mo household
Net pay— /mo
Childcare out-of-pocket−$1,846 /mo
Commute−$208 /mo
Hours worked23 /wk
Baseline scenario
4 days0.8 FTE
— /mo household
Net pay— /mo
Childcare out-of-pocket−$2,461 /mo
Commute−$277 /mo
Hours worked30 /wk
The extra day adds −—/mo after childcare & commute
5 days1.0 FTE
— /mo household
Net pay— /mo
Childcare out-of-pocket−$3,076 /mo
Commute−$347 /mo
Hours worked38 /wk
The extra day adds −—/mo after childcare & commute
The "incremental gain" strip shows what the extra day adds after childcare and commute — the number families actually need. Estimate only; CCS depends on activity test and household income.
