Pregnancy & Childbirth Cost Calculator — NSW

Total

TypeAmount
Incoming (rebates/payments)—
Outgoing (costs)—
Net—

Midwives

NameMedicare NumberCostRebate

Obstetricians

NameMedicare NumberCostRebate

Routine ultrasound scans

NameMedicare NumberCostRebate

Pregnancy counselling

NameMedicare NumberCostRebate

Blood tests

NameMedicare NumberCostRebate

Immunisations

NameMedicare NumberCostRebate
Childcare

Immunisation requirements — Services Australia

Immunisation requirements (FTB) — Services Australia

Unregulated
  • Care inside the family home (the carer comes to you) — advertising for role is permitted.
  • Care outside the family home (the child goes to the carer) — advertising for role is not permitted.
  • Services not primarily for care — sport, dance, music, culture, language classes, tutoring, etc.
Family Day Care
  • Care is provided on a regular, ongoing basis.
  • Care is in the carer’s home or an approved premises.
  • Between 1 and 7 children at a time under 13 years old, with less than 5 not yet in school.
Centre-Based Services
  • Care is provided on a regular, ongoing basis.
  • Care is at an approved premises outside of a home.
  • Qualified carers, required staff-to-child ratios and a nominated supervisor are employed.
School

Students are not denied entry if they are unvaccinated, it is against NSW Education and NSW Health laws for a student to be denied enrolment based off vaccination status. If an outbreak occurs at a school, a student with no immunisation documentation may be requested to stay at home during the outbreak.

Immunisation — NSW Education

Immunisation and childcare Q&A — NSW Health

Public Health Act 2010 (NSW)

Enrolment of students in government schools — NSW Education

Public Health Act 2010 (NSW) — Part 5, Division 4

Telehealth

NameMedicare NumberCostRebate

Public hospital or birth centre stay

NameMedicare NumberCostRebate

In-hospital medical tests and scans

NameMedicare NumberCostRebate

After birth — visits to GP, immunisations, care in public hospital/homebirth program

NameMedicare NumberCostRebate

Newborn Upfront Payment

The Newborn Supplement is a payment that you can get for up to 13 weeks. It is not taxable. The amount that you receive depends on how many children you have and your family’s income.

Parental Leave Pay

Eligibility

Citizen or permanent/special visa — residence rules

Earn $186,487 or less in the 2025–26 financial year — income test

Requirements

Worked at least 330 hours in the 10 month period with no more than a 12 week gap between work days. Worked at least 10 consecutive months within the 13 month work test period.

Exceptions to the work test — Services Australia

Activities that count as work — Services Australia

Family Tax Benefit (FTB)

Part A

Combined earningsPayment
< $69,131$7,109 ($235/fortnight)
< $80,000~$5,000
$80,000 – $90,000~$5,000 – ~$2,000
$90,000 – $129,000~$2,000
> $129,648$0

Part B

Combined earningsPayment
< $124,327$5,223
> $124,327$0
Lower earner’s independent income (if the other partner is over the threshold)
Lower earner’s incomePayment
$0$5,223
~$10,000$4,653
~$20,000$2,653
~$30,000$653
> $33,270$0

So if mother earns $33,270 and father earns over $33,270, payment is $0.

Child Care Subsidy (CCS)

Miscellaneous

Register birth (free) + birth certificate = $70

Births, deaths & marriages — NSW Government

Sources

Parental Leave Pay

Choosing a hospital / birth centre

Immunisations

Medicare during pregnancy

Family Tax Benefit