What is the income limit for a Peel Region child care subsidy?

There is no hard cut-off. Peel applies the provincial income test in O. Reg. 138/15: a family with adjusted net income of $20,000 or less pays nothing, income between $20,000 and $40,000 is charged at 10%, and income above $40,000 at 30%, divided by 12 for a monthly household contribution. Subsidy continues until that contribution exceeds what you are billed in fees.

Does Peel Region subsidize unlicensed child care?

No. The subsidy covers licensed child care only — licensed centres, licensed home child care through an agency, and licensed before-and-after school programs. A nanny, a relative, or an independent unlicensed home provider cannot be subsidized at any income level.

Is child care $10 a day in Mississauga in 2026?

No. The Canada-Ontario target of an average $10 a day by March 31, 2026 was not met. On December 4, 2025 the agreement was extended to March 31, 2027, with $695 million in federal funding to hold eligible fees at the current Ontario average of $19 a day through December 31, 2026. The legal ceiling on a CWELCC base fee remains $22 a day.

Is the Peel child care subsidy calculated per child or per household?

Per household. The income test produces one monthly parent contribution for the family, which is then divided across the children in licensed care. Adding a second child in licensed care adds almost nothing to what you pay.

Family & Childcare · Region of Peel

Peel Region Child Care Fee Subsidy Estimator

A Peel family earning $45,000 with two children under six in licensed care pays $145.83 a month for child care — that is the total for the household, not per child. The full fee would be $957.00. Peel covers the other $9,734 a year.

$0What you pay if your family nets under $20,000

50%Extra cut for children under 6 in licensed care

$22/dayMost a licensed CWELCC program can charge

01 / YOUR NUMBERS

Six things, then you're done

Family net income

Line 23600 from each parent's tax assessment, added together. This is lower than your gross pay — using gross will overstate what you owe.

On Ontario Works or ODSP?

Either one means full subsidy, whatever your income.

Type of child care

Peel subsidizes licensed care only.

Days of care per week

Used to convert your fee to a daily rate.

How many children need care

Peel covers children 12 and under.

You'll enter fees as

Whatever your provider bills you, before subsidy.

Each child's age, and what you're charged now

Leave out registration fees, deposits and extracurriculars — the subsidy never covers those.

02 / YOUR ESTIMATE

What you'd actually pay

Show the breakdown for each child

Show how this number was calculated

Every line above is Ontario Regulation 138/15, s. 10 (2) to (5) — the income test Peel applies. It is published law, not a Peel discretion, so the arithmetic is the same wherever you live in Ontario. What changes is the daily rate your local provider charges.

Compare each child's fee to the $10-a-day target

The $10-a-day deadline already passed. Canada and Ontario aimed for an average of $10 a day per child under six by March 31, 2026, and missed it. In December 2025 they extended the deal to March 2027 and spent $695 million holding fees at today's average of $19 a day through December 31, 2026. Eight provinces and territories are at $10 a day or less. Ontario is not one of them — so for a lower-income Mississauga family, the Peel subsidy, not the fee cap, is where the money is.

03 / WHAT TO DO NEXT

Turning this into an actual subsidy

Bottom line: the contribution is worked out once for your household, not once per child. Putting a second child into licensed care barely moves what you pay — it just adds subsidy. That is the most under-used feature of the way Ontario's income test is written.

Confirmed figures

The $20,000 exemption, the 10% and 30% rates, the $10-a-month floor and the 50% cut for children under six — all set in provincial regulation.
Full subsidy for ODSP recipients, and for Ontario Works recipients who are working or in employment activities.
The $22-a-day ceiling on a licensed CWELCC base fee, and the under-six age rule behind it.
Peel's own conditions: Peel resident, child 12 or under, licensed care only, and 85 paid absence days a year.

Not published — treat as unconfirmed

The most Peel will pay your provider per day. Peel approves a rate per provider and won't go above it. That schedule isn't public, so a very expensive centre may not be subsidized to the full amount shown here.
The wait list. Not published. Peel's advice is to apply at least four weeks before you need care.
A Peel-only average fee. The $19 figure is the Ontario-wide average — there is no published Peel number, so none is used.
Disability and special-needs deductions. Peel can lower your income before the test runs, based on your unreimbursed expenses. That depends on receipts, so it isn't estimated here — it can only push your cost below the figure above.

Sources: Ontario Regulation 138/15 (Funding, Cost Sharing and Financial Assistance), ss. 8–11, and Ontario Regulation 137/15 (General), s. 1 (1), s. 77.2 and Schedule 1, both made under the Child Care and Early Years Act, 2014, consolidation period beginning January 1, 2026 (e-Laws currency date August 7, 2026); Region of Peel, Child Care Subsidy, Check your child care subsidy eligibility and Child Care Subsidy Parent Agreement; Ontario Ministry of Education, Canada-Ontario early years and child care agreement; Employment and Social Development Canada news release, December 4, 2025. Peel also requires that you need care because you are working, in school or training, managing a documented social or medical need, or your child needs extra support — job search alone does not qualify. This estimator applies the published provincial income test to the figures you enter — it is not an application, not a decision, and not a guarantee of eligibility or amount. Only Region of Peel Children's Services can approve a subsidy or set the daily rate it will pay your provider. Confirm your situation at peelregion.ca or by calling Peel Children's Services at 905-793-9200. MississaugaWallet.ca assumes no liability for any actions taken based on this information.