{"id":8325,"date":"2026-05-12T07:53:24","date_gmt":"2026-05-12T11:53:24","guid":{"rendered":"https:\/\/montrealtips.com\/daycare-cost-calculator\/"},"modified":"2026-05-15T14:59:39","modified_gmt":"2026-05-15T18:59:39","slug":"daycare-cost-calculator","status":"publish","type":"page","link":"https:\/\/montrealtips.com\/fr\/daycare-cost-calculator\/","title":{"rendered":"Calculateur des co\u00fbts des garderies au Qu\u00e9bec 2026 \u2014 Garderies publiques, priv\u00e9es et subventionn\u00e9es"},"content":{"rendered":"\n<div class=\"mtl-tldr\" style=\"font-family:-apple-system,BlinkMacSystemFont,sans-serif;max-width:760px;margin:24px auto 0;padding:18px 22px;background:#eff6ff;border:1px solid #bfdbfe;border-left:5px solid #2563eb;border-radius:12px;color:#0b1f3a\"><strong style=\"font-size:14px;text-transform:uppercase;letter-spacing:0.5px;color:#2563eb\">Quick answer<\/strong><h2 style=\"margin:6px 0 8px;font-size:20px;color:#0b1f3a\">How much does daycare cost in Quebec (2026)?<\/h2><p style=\"margin:0;color:#1e293b;font-size:15px;line-height:1.55\">Subsidized &#8220;R\u00e9duced Contribution&#8221; CPE and family daycare costs $9.35\/day per child (2026), about $204\/month. Non-subsidized private daycare: $35-$60\/day ($770-$1,320\/month) before the Quebec Tax Credit for Childcare Expenses, which can offset 26-78 percent depending on income. Wait lists for subsidized spots are 1-3 years in Montreal.<\/p><p style=\"margin:10px 0 0;font-size:13px;color:#475569\"><strong>Last updated:<\/strong> May 13, 2026 \u00b7 <strong>Source:<\/strong> Minist\u00e8re de la Famille Qu\u00e9bec 2026, Revenu Qu\u00e9bec childcare tax credit rules<\/p><\/div>\n\n\n\n<div class=\"mtl-tool\" id=\"mtl-dc\"><style>.mtl-tool{font-family:-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,sans-serif;color:#1a1a1a;max-width:760px;margin:24px auto;line-height:1.55}.mtl-tool .mtl-card{background:#f7f9fc;border:1px solid #e3e8ef;border-radius:14px;padding:24px 26px}.mtl-tool h2.mtl-h{margin:0 0 6px;font-size:22px;color:#0b1f3a}.mtl-tool .mtl-sub{margin:0 0 18px;color:#475569;font-size:14px}.mtl-tool label{display:block;font-weight:600;margin:14px 0 6px;font-size:14px;color:#0b1f3a}.mtl-tool input,.mtl-tool select{width:100%;padding:10px 12px;border:1px solid #cbd5e1;border-radius:8px;font-size:15px;background:#fff;box-sizing:border-box}.mtl-tool .mtl-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.mtl-tool .mtl-btn{background:#d8232a;color:#fff;border:0;padding:12px 22px;border-radius:8px;font-weight:700;cursor:pointer;font-size:15px;margin-top:18px;width:100%}.mtl-tool .mtl-result{margin-top:18px;padding:18px;background:#fff;border-left:4px solid #d8232a;border-radius:8px}.mtl-tool table{width:100%;border-collapse:collapse;margin-top:10px;font-size:14px}.mtl-tool th,.mtl-tool td{padding:8px 10px;text-align:left;border-bottom:1px solid #eef2f7}.mtl-tool th{background:#f1f5f9}.mtl-tool tr.winner{background:#fff3cd;font-weight:700}.mtl-tool .mtl-note{font-size:12px;color:#64748b;margin-top:12px}@media(max-width:520px){.mtl-tool .mtl-row{grid-template-columns:1fr}}<\/style><div class=\"mtl-card\"><h2 class=\"mtl-h\">&#x1f476; Quebec Daycare Cost Calculator (2026)<\/h2><p class=\"mtl-sub\">Compare CPE (subsidized), private subsidized and private non-subsidized \u2014 real cost after Quebec tax refund.<\/p><div class=\"mtl-row\"><div><label>Family net income ($)<\/label><input type=\"number\" id=\"mtl-dc-income\" min=\"0\" value=\"80000\"><\/div><div><label>Children in daycare<\/label><input type=\"number\" id=\"mtl-dc-kids\" min=\"1\" max=\"4\" value=\"1\"><\/div><\/div><label>Private (non-subsidized) daily rate, if applicable ($)<\/label><input type=\"number\" id=\"mtl-dc-priv\" min=\"20\" max=\"100\" value=\"55\"><button class=\"mtl-btn\" id=\"mtl-dc-go\">Calculate annual cost<\/button><div class=\"mtl-result\"><h3 style=\"margin:0 0 6px;color:#d8232a\" id=\"mtl-dc-head\">\u2014<\/h3><p id=\"mtl-dc-summary\"><\/p><table><thead><tr><th>Option<\/th><th>Gross\/year<\/th><th>Net after refund<\/th><\/tr><\/thead><tbody id=\"mtl-dc-tbody\"><\/tbody><\/table><p class=\"mtl-note\">2026: CPE $9.45\/day (260 days\/year). Private subsidized same rate. Non-subsidized averages $40\u2013$60\/day but parents claim a refundable Quebec tax credit (26%\u201378% based on income) AND deduction on federal return.<\/p><\/div><\/div><script>\n(function(){\nfunction calc(){\nvar inc=parseFloat(document.getElementById('mtl-dc-income').value)||0;\nvar kids=parseInt(document.getElementById('mtl-dc-kids').value)||1;\nvar priv=parseFloat(document.getElementById('mtl-dc-priv').value)||55;\nvar days=260;\nvar cpe=9.45*days*kids;\nvar privGross=priv*days*kids;\nvar rate;\nif(inc<23820) rate=0.78;\nelse if(inc<41165) rate=0.78-(inc-23820)\/17345*0.11;\nelse if(inc<120580) rate=0.67-(inc-41165)\/79415*0.41;\nelse rate=0.26;\nvar qcCredit=privGross*rate;\nvar fedMax=11000*kids;\nvar fedDed=Math.min(privGross,fedMax)*0.205;\nvar privNet=privGross-qcCredit-fedDed;\nvar opts=[\n{n:'CPE (centre de la petite enfance, subsidized)',gross:cpe,net:cpe},\n{n:'Private SUBSIDIZED ($9.45\/day)',gross:cpe,net:cpe},\n{n:'Private non-subsidized ($'+priv+'\/day)',gross:privGross,net:privNet},\n{n:'Stay-at-home parent (lost income)',gross:0,net:0}\n];\nvar w=opts.slice(0,3).sort((a,b)=>a.net-b.net)[0];\ndocument.getElementById('mtl-dc-head').textContent='\u2713 Cheapest: '+w.n+' \u2014 $'+w.net.toFixed(0)+'\/year net';\ndocument.getElementById('mtl-dc-summary').textContent='Net cost after Quebec tax credit ('+(rate*100).toFixed(0)+'%) and federal deduction. Subsidized spots are limited \u2014 waitlists are 6\u201324 months in Montreal.';\nvar tb=document.getElementById('mtl-dc-tbody');tb.innerHTML='';\nopts.slice(0,3).forEach(function(o){var tr=document.createElement('tr');if(o.n===w.n)tr.className='winner';tr.innerHTML='<td>'+o.n+'<\/td><td>$'+o.gross.toFixed(0)+'<\/td><td>$'+o.net.toFixed(0)+'<\/td>';tb.appendChild(tr);});\n}\ndocument.getElementById('mtl-dc-go').addEventListener('click',calc);\ncalc();\n})();\n<\/script><\/div><h2>How much does daycare cost in Quebec? (2026)<\/h2><p><strong>Quick answer:<\/strong> Subsidized daycare (CPE or private subsidized) costs <strong>$9.45\/day = roughly $2,460\/year<\/strong> per child in 2026. Non-subsidized daycare averages $40\u2013$60\/day gross, but Quebec offers a refundable tax credit that brings the real cost down to $2,000\u2013$8,000\/year per child depending on family income.<\/p><h3>The 3 types of Quebec daycare<\/h3><ol><li><strong>CPE (Centre de la petite enfance)<\/strong> \u2014 government-subsidized non-profit centers. $9.45\/day flat. Highest demand, longest waitlists (6\u201324 months in Montreal).<\/li><li><strong>Private subsidized<\/strong> (garderie priv\u00e9e subventionn\u00e9e) \u2014 for-profit daycares with subsidized spots at the same $9.45\/day rate. Easier to access than CPE.<\/li><li><strong>Private non-subsidized<\/strong> (garderie priv\u00e9e non subventionn\u00e9e) \u2014 $40\u2013$70\/day. Parents pay full price upfront, then claim a refundable Quebec tax credit on the annual return.<\/li><\/ol><h3>The Quebec daycare tax credit (refundable)<\/h3><p>For non-subsidized daycare, Quebec refunds 26%\u201378% of the cost depending on family net income. Sliding scale:<\/p><table style=\"width:100%;border-collapse:collapse;margin:14px 0\"><thead><tr style=\"background:#f1f5f9\"><th style=\"padding:8px;text-align:left;border:1px solid #e2e8f0\">Family net income<\/th><th style=\"padding:8px;text-align:left;border:1px solid #e2e8f0\">Refund rate<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:8px;border:1px solid #e2e8f0\">Under $23,820<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">78%<\/td><\/tr><tr><td style=\"padding:8px;border:1px solid #e2e8f0\">$23,820 \u2013 $41,165<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">67% \u2013 78%<\/td><\/tr><tr><td style=\"padding:8px;border:1px solid #e2e8f0\">$41,165 \u2013 $120,580<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">26% \u2013 67%<\/td><\/tr><tr><td style=\"padding:8px;border:1px solid #e2e8f0\">Above $120,580<\/td><td style=\"padding:8px;border:1px solid #e2e8f0\">26%<\/td><\/tr><\/tbody><\/table><h3>How to get a daycare spot in Montreal<\/h3><ol><li><strong>Register on La Place 0-5<\/strong> (laplace0-5.com) \u2014 the single waitlist for all subsidized spots in Quebec. Apply during pregnancy.<\/li><li><strong>Contact private non-subsidized centers directly.<\/strong> Many can offer a spot in 1\u20133 months.<\/li><li><strong>Ask about home daycares<\/strong> (milieu familial) \u2014 smaller groups (max 6 kids), often available faster.<\/li><li><strong>Bilingual &#038; specialty centers<\/strong> have separate waitlists and often shorter timelines.<\/li><\/ol><h2>Daycare Quebec FAQ<\/h2><h3>How much is daycare in Quebec in 2026?<\/h3><p>Subsidized daycare (CPE or private subsidized) costs <strong>$9.45\/day<\/strong>, about $2,460\/year per child. Non-subsidized daycare averages $40\u2013$60\/day gross, but Quebec&#8217;s refundable tax credit reduces the net cost to $2,000\u2013$8,000\/year per child depending on family income.<\/p><h3>What&#8217;s the difference between CPE and garderie?<\/h3><p>CPE (Centre de la petite enfance) are non-profit government-funded daycares with the longest waitlists and highest demand. Garderie priv\u00e9e subventionn\u00e9e are for-profit daycares with the same $9.45\/day subsidized spots. Garderie priv\u00e9e non subventionn\u00e9e charge market rates and parents claim a refundable tax credit.<\/p><h3>How long is the daycare waitlist in Montreal?<\/h3><p>Subsidized spots (CPE) have waitlists of <strong>6 to 24 months<\/strong> in most Montreal neighborhoods. Register on La Place 0-5 as soon as possible \u2014 many parents apply during pregnancy. Private non-subsidized daycares typically have spots within 1\u20133 months.<\/p><h3>Is daycare tax-deductible in Quebec?<\/h3><p>Yes for non-subsidized daycare. Quebec offers a refundable provincial tax credit (26%\u201378% based on income) and a federal deduction (up to $11,000 per child age 0\u20136). Subsidized daycare receipts cannot be claimed because the cost is already reduced.<\/p><h3>Can I send my child to daycare before age 1?<\/h3><p>Yes. Most Quebec daycares accept infants from 6 months onwards, though spots for under-18-months are rarer. Parents on QPIP parental leave often start daycare at 12 months as leave benefits end.<\/p><h3>What is La Place 0-5?<\/h3><p>La Place 0-5 (laplace0-5.com) is the centralized waitlist for all subsidized daycare spots in Quebec. Free to register, single profile covers all CPE and private subsidized centers near your address. Required for any subsidized spot.<\/p><h3>Is private daycare better than CPE?<\/h3><p>CPE typically has the highest quality standards (non-profit, government-audited, smaller groups). Private subsidized matches the same rate and quality oversight. Private non-subsidized varies widely \u2014 some are excellent boutique centers, others are basic. Ask for the latest inspection report.<\/p><h2>Related Montreal tools<\/h2><ul><li><a href=\"\/quebec-income-tax-calculator\/\">Quebec Income Tax Calculator<\/a><\/li><li><a href=\"\/qpip-parental-leave-estimator\/\">QPIP Parental Leave Estimator<\/a><\/li><li><a href=\"\/school-zone-finder\/\">Montreal School Zone Finder<\/a><\/li><\/ul><p style=\"font-size:13px;color:#64748b;margin-top:30px\">Sources: Minist\u00e8re de la Famille du Qu\u00e9bec, Revenu Qu\u00e9bec daycare credit tables 2026. Estimates only.<\/p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"How much is daycare in Quebec in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Subsidized daycare (CPE or private subsidized) costs $9.45 per day, approximately $2,460 per year per child. 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It is required for any subsidized spot.\"}}\n]}\n\n\n\n\n<div class=\"mtl-related\" style=\"font-family:-apple-system,BlinkMacSystemFont,sans-serif;max-width:760px;margin:30px auto;padding:20px 24px;background:#f7f9fc;border:1px solid #e3e8ef;border-radius:12px\"><h3 style=\"margin:0 0 10px;font-size:18px;color:#0b1f3a\">Related Montreal Tools<\/h3><ul style=\"margin:0;padding-left:20px;color:#1e293b;font-size:15px\"><li style=\"margin-bottom:6px\"><a href=\"\/qpip-parental-leave-estimator\/\" style=\"color:#2563eb;text-decoration:underline\">QPIP Parental Leave<\/a> \u2014 Quebec maternity\/paternity benefit.<\/li><li style=\"margin-bottom:6px\"><a href=\"\/quebec-income-tax-calculator\/\" style=\"color:#2563eb;text-decoration:underline\">Quebec Income Tax Calculator<\/a> \u2014 Estimate your provincial tax.<\/li><li style=\"margin-bottom:6px\"><a href=\"\/ccb-calculator\/\" style=\"color:#2563eb;text-decoration:underline\">Canada Child Benefit<\/a> \u2014 Monthly federal benefit per child.<\/li><li style=\"margin-bottom:6px\"><a href=\"\/school-zone-finder\/\" style=\"color:#2563eb;text-decoration:underline\">School Zone Finder<\/a> \u2014 Find your child's public school.<\/li><\/ul><\/div>\n\n\n\n<div class=\"mtl-sources\" style=\"font-family:-apple-system,BlinkMacSystemFont,sans-serif;max-width:760px;margin:20px auto;padding:14px 20px;background:#fff;border-top:1px solid #e2e8f0;color:#475569;font-size:13px;line-height:1.5\"><p style=\"margin:0 0 6px\"><strong>Reviewed by:<\/strong> Montreal Tips editorial team \u00b7 <strong>Last updated:<\/strong> May 13, 2026<\/p><p style=\"margin:0\"><strong>Sources:<\/strong> Minist\u00e8re de la Famille Qu\u00e9bec 2026, Revenu Qu\u00e9bec childcare tax credit rules. Estimates are educational only \u2014 verify against official sources before acting.<\/p><\/div>\n\n\n\n<script type=\"application\/ld+json\">[{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the 2026 subsidized daycare rate in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"$9.35 per child per day at CPEs (centres de la petite enfance) and reduced-contribution family daycares. That works out to about $204\/month assuming 22 working days.\"}},{\"@type\":\"Question\",\"name\":\"How long is the wait for subsidized daycare in Montreal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"12 to 36 months on the Place 0-5 government registry. Some neighborhoods (Plateau, Outremont, Verdun) have longer lists than others. Register the day you confirm pregnancy.\"}},{\"@type\":\"Question\",\"name\":\"How much is private (non-subsidized) daycare?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"$35-$60 per day in Montreal ($770-$1,320\/month). Higher in upscale neighborhoods. Some private daycares apply for grants and offer reduced rates.\"}},{\"@type\":\"Question\",\"name\":\"Is there a tax credit for daycare in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \u2014 the Quebec Tax Credit for Childcare Expenses refunds 26 to 78 percent of fees based on family income. The lower your income, the higher the refund. Claim on Schedule C of your provincial return.\"}},{\"@type\":\"Question\",\"name\":\"When can my child start daycare in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most CPEs accept babies from 6 to 12 months old. Family daycares often start at 3 months. Public schools take over at age 4 for preschool (maternelle 4 ans).\"}}]},{\"@context\":\"https:\/\/schema.org\",\"@type\":\"WebApplication\",\"name\":\"Quebec Daycare Cost Calculator 2026\",\"url\":\"https:\/\/montrealtips.com\/daycare-cost-calculator\/\",\"applicationCategory\":\"FinanceApplication\",\"operatingSystem\":\"All\",\"browserRequirements\":\"Requires JavaScript\",\"offers\":{\"@type\":\"Offer\",\"price\":\"0\",\"priceCurrency\":\"CAD\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Montreal Tips\",\"url\":\"https:\/\/montrealtips.com\/\"}},{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/montrealtips.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Montreal Tools\",\"item\":\"https:\/\/montrealtips.com\/tools\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Quebec Daycare Cost Calculator 2026\",\"item\":\"https:\/\/montrealtips.com\/daycare-cost-calculator\/\"}]}]<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Quick answer How much does daycare cost in Quebec (2026)? Subsidized &#8220;R\u00e9duced Contribution&#8221; CPE and family daycare costs $9.35\/day per child (2026), about $204\/month. Non-subsidized private daycare: $35-$60\/day ($770-$1,320\/month) before the Quebec Tax Credit for Childcare Expenses, which can offset 26-78 percent depending on income. Wait lists for subsidized spots are 1-3 years in Montreal. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-8325","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quebec Daycare Cost Calculator 2026 \u2014 CPE vs Private vs Subsidized - Montreal Tips<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/montrealtips.com\/fr\/daycare-cost-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quebec Daycare Cost Calculator 2026 \u2014 CPE vs Private vs Subsidized - Montreal Tips\" \/>\n<meta property=\"og:description\" content=\"Quick answer How much does daycare cost in Quebec (2026)? Subsidized &#8220;R\u00e9duced Contribution&#8221; CPE and family daycare costs $9.35\/day per child (2026), about $204\/month. Non-subsidized private daycare: $35-$60\/day ($770-$1,320\/month) before the Quebec Tax Credit for Childcare Expenses, which can offset 26-78 percent depending on income. Wait lists for subsidized spots are 1-3 years in Montreal. 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