Family Work & Childcare Affordability Calculator

    Make informed decisions about work, childcare, and your family's financial future. Compare scenarios side-by-side to see what works best for you.

    Childcare Costs in Edinburgh vs Salary (2026)

    Full-time infant care in Edinburgh runs about £1,200 a month — £14,400 a year, or 32.7% of the median United Kingdom household income of £44,000. Here is what that means for the decision to go back to work.

    The Edinburgh numbers at a glance

    Estimated 2026 childcare, income and housing figures for Edinburgh
    FigureMonthlyAnnual
    Infant daycare (0–2), full time£1,200£14,400
    Preschooler care (3–4), full time£1,100£13,200
    Median 2-bedroom rent£1,400£16,800
    Commute for the returning parent£180£2,160
    Groceries, family of four£700£8,400
    Median household income£3,667£44,000

    Estimates for 2026, rounded. Childcare: Coram Family and Childcare — Childcare Survey. Income: ONS — Household disposable income. Housing: ONS — Private rent and house prices. See the full methodology and dataset.

    What salary do you need to break even in Edinburgh?

    One child in care

    £17,000

    Gross salary needed just to cover £16,560 of childcare and commuting after tax.

    Two children in care

    £31,000

    Gross salary needed to cover £29,760 of care for an infant plus a preschooler, and the commute.

    Below those numbers, a second income in Edinburgh is effectively unpaid work once childcare and travel are deducted — the classic second-earner trap. Above them, every extra £1,000 of salary is real money, plus pension contributions and the wage growth you keep by staying in the workforce (see the opportunity cost of staying home).

    Break-even assumes the returning parent's salary is taxed on its own at United Kingdom rates, with no subsidy applied. Local subsidies — see the United Kingdom guide — can move the line significantly.

    Run your own Edinburgh numbers

    Load the Edinburgh averages into the calculator and replace them with your actual salary, rent and nursery quote. It compares up to three scenarios side by side — both parents working, one at home, and part-time.

    • • Household income: £44,000/yr
    • • Childcare: £1,200/mo
    • • Housing: £1,400/mo
    • • Commute: £180/mo

    Edinburgh childcare questions parents ask

    How much does daycare cost in Edinburgh?

    Full-time infant daycare in Edinburgh averages about £1,200 per month (£14,400 a year) in 2026. Care for a 3–4 year old is lower, around £1,100 per month, because staff-to-child ratios are less demanding.

    Is it worth going back to work in Edinburgh?

    With one child in full-time care you need to earn roughly £17,000 gross just to break even on childcare and commuting in Edinburgh. With two children in care that rises to about £31,000. Below those lines the second income is close to unpaid work in cash terms, though pension contributions and future wage growth still count.

    What share of income goes to childcare in Edinburgh?

    One infant in full-time care costs about 32.7% of the median United Kingdom household income of £44,000. Add a median two-bedroom rent of £1,400 a month and childcare plus housing consume roughly 70.9% of gross household income.

    How can families in Edinburgh lower childcare costs?

    The usual levers are claiming every subsidy available in United Kingdom, sharing a nanny with another family, shifting to a 3–4 day week so you pay for fewer days, staggering parents' hours, and timing your return for when your child moves into the cheaper preschool room.

    Compare with other United Kingdom cities

    See all cities and states · Childcare costs by country · Living wage for a family with kids