Family Tax Benefit Calculator Australia 2026–27
Screen the ongoing Family Tax Benefit Part A and Part B rates for a full-care family using Services Australia parameters effective 1 July 2026. Enter child age groups, family type and adjusted taxable incomes to compare Part A’s two income tests and Part B’s primary- and secondary-earner tests. This is not a Centrelink eligibility decision.
Set one full-care family scenario
What this FTB calculator estimates
The page estimates the ongoing child-related rates using the fortnightly maximum and base amounts effective from 1 July 2026. It annualises those amounts by multiplying by 26, then applies the published Part A income tests. For Part B it applies the family-type, primary-earner and secondary-earner rules to the maximum rate set by the youngest child’s age.
The annual estimates deliberately exclude end-of-year supplements because supplements are paid after balancing and have additional conditions. The output also excludes Energy Supplement and other add-ons. It is a transparent screen for a stable, full-care income scenario, not a claim calculation.
Part A base: $75.60 per child per fortnight.
Part A estimate: the higher result from the published maximum-rate and base-rate income tests.
Part B estimate: age-based family maximum, subject to the $124,327 primary-earner limit and, for couples, the lower-earner taper.
Adjusted taxable income is not simply take-home pay
Services Australia uses family adjusted taxable income (ATI), which starts with taxable income and can include or adjust other amounts such as reportable fringe benefits, reportable super contributions, total net investment losses, certain tax-free pensions and foreign income. Do not enter net salary from a bank statement.
Use a realistic full-year estimate for 2026–27. For a couple, the calculator adds higher- and lower-earner entries for Part A. It requires the first to be at least as large as the second so the Part B labels remain meaningful. For a single family, the secondary amount must be zero.
Part A starts with a rate for each child
The maximum fortnightly rate is $235.48 for a child aged 0 to 12 and $306.46 for a child aged 13 to 15 or aged 16 to 19 who meets the study requirements. The base rate is $75.60 per eligible child per fortnight. A child in an approved care organisation has a separate rate and should not be entered here.
Eligibility follows the child and claimant. Age alone is insufficient: residence, care, study, immunisation and other conditions can matter. The child-count fields are therefore for children already treated as eligible in the scenario.
Part A uses two income tests
Under the maximum-rate test, family ATI up to $69,131 does not reduce the rate. Income from $69,131 to $123,078 reduces the maximum by 20 cents per dollar. Income over $123,078 adds a 30-cent reduction per dollar. The calculation applies these reductions to the family’s total annual maximum.
Under the base-rate test, income up to $123,078 has no effect on the annual base rate, and income above it reduces the base by 30 cents per dollar. Services Australia generally uses the test producing the higher rate. The two result tiles let users see when the base alternative overtakes the reduced maximum.
Published cut-offs are scenario-dependent
There is no single Part A income cut-off for every family. It varies with the number and ages of children and can be affected by supplements. Services Australia publishes tables for common combinations, but the calculator instead performs the two core rate calculations and floors each result at zero.
If the result is close to zero or family income is uncertain, consider claiming after the financial year when actual income is known. Services Australia warns that inaccurate estimates can create overpayments during balancing.
Part B supports particular family situations
FTB Part B is a per-family payment for single-parent families, non-parent carers and some couples with one main income earner. The maximum fortnightly rate is $200.34 when the youngest child is under 5 and $139.86 when the youngest child is 5 to 18, subject to eligibility.
For couple families, Part B generally requires the youngest child to be under 13. The calculator therefore returns zero for a couple scenario with a youngest child aged 13 to 18. Single parents, grandparents and great-grandparents may have coverage to the end of the calendar year the child turns 18 under the published rules.
The Part B primary-earner limit is $124,327
For 2026–27, a single parent’s annual ATI must be $124,327 or less to receive Part B under this screen. For couples, the higher earner must also be at or below $124,327. When that limit is exceeded, the calculator sets Part B to zero rather than gradually tapering it.
Certain income-support recipients can receive maximum treatment under additional rules, but this page does not model that override. Use official tools when the claimant receives an income-support payment or Department of Veterans’ Affairs payment.
Couple families have a secondary-earner taper
The lower earner can have annual income up to $7,154 before the Part B rate reduces. Each dollar above that amount reduces annual Part B by 20 cents. The published nil-rate guide is $35,661 for a youngest child under 5 and $27,777 for a youngest child aged 5 to 18, although Energy Supplement and individual circumstances can change exact limits.
The calculator applies the taper to the annualised maximum and floors the result at zero. It does not model return-to-work provisions, income-support interactions or periods when Parental Leave Pay prevents Part B from being paid.
Supplements are excluded from the headline
For 2026–27, the maximum Part A supplement is $970.90 for each eligible child and the Part B supplement is $478.15 per family. They are generally paid after Services Australia balances the year and depend on income, eligibility days, care and tax-return requirements.
Adding them automatically to every annual projection could overstate regular cash flow, so the calculator omits them. Treat any supplement as a separate balancing scenario and do not divide it into expected fortnightly spending until eligibility is confirmed.
Maintenance income can reduce Part A
Child support or spousal maintenance can trigger the Maintenance Income Test. Services Australia may reduce FTB Part A above a maintenance income free area, without reducing it below the base rate. The Maintenance Action Test can also limit a claimant to base rate if reasonable action to obtain child support has not been taken and no exemption applies.
Those rules depend on relationships, assessments, collection methods, credits and exemptions. They are deliberately excluded. Anyone receiving maintenance or caring for a child from a previous relationship should use the official service rather than treating this result as complete.
Other omitted factors can be material
Residence, waiting periods, immunisation, Healthy Start for School, temporary absences, approved study, care percentage, multiple births, bereavement and payment interactions can change eligibility or rate. There is no assets test for FTB, but that does not remove the other conditions.
Rent Assistance and Energy Supplement may be paid with FTB in some cases. Newborn Supplement and Newborn Upfront Payment have separate eligibility. This screen focuses only on the core ongoing Part A and Part B rates to keep every formula visible.
Prepare an income-estimate file
| Evidence | What to confirm | Why it matters |
|---|---|---|
| Child details | Age, study, care and eligibility dates | Sets rate and eligible days |
| ATI worksheet | Taxable income plus required adjustments | Drives both income tests |
| Partner details | Family status and each person’s income | Controls Part B taper |
| Care arrangement | Full care or official shared-care percentage | This page assumes full care |
| Maintenance record | Child support assessment and collection | May reduce Part A |
| Other payments | Income support and Parental Leave Pay | Can override or suspend rates |
| Income updates | New job, bonus, loss or partner change | Reduces balancing debt risk |
Frequently asked questions
Does the annual total include FTB supplements?
No. The headline uses ongoing fortnightly rates multiplied by 26. End-of-year supplements have separate balancing and income conditions.
Can I enter take-home pay as adjusted taxable income?
No. ATI is a Services Australia measure with several additions and adjustments. Build a proper full-year estimate.
Why are there two Part A test results?
Services Australia generally compares a maximum-rate income test with a base-rate income test and applies the higher result.
Does the tool handle shared care?
No. It assumes one claimant has full care. Official shared-care rules should not be approximated by multiplying this output.
Why is couple Part B zero when the youngest child is 13?
Under the published basic conditions, couple-family Part B generally requires a child under 13; different coverage can apply to eligible single carers.
Will Centrelink pay exactly this amount?
Not necessarily. Services Australia assesses eligibility, maintenance, care, income support, supplements, debts, rounding and balancing using complete records.