Raising a family in Australia comes with financial challenges, and government support can be a crucial lifeline. The Centrelink Family Tax Benefit (FTB) helps ease the cost of raising children, providing essential assistance to families across the country. Whether you’re a single parent, a low-income family, or managing a single-income household, understanding FTB payments, eligibility, and how to apply can make a significant difference in your financial planning.
What is the Family Tax Benefit (FTB)?
The Family Tax Benefit (FTB) is a financial assistance program administered by Services Australia to help eligible families with the cost of raising children. It consists of two parts:
✔ FTB Part A – Paid per child based on family income. ✔ FTB Part B – Additional support for single parents and families with one primary income.
Each part has specific income thresholds and eligibility requirements, so it’s essential to understand how they work.
FTB Part A: Payment Rates & Income Test
What is FTB Part A?
FTB Part A provides per-child payments to assist families with daily expenses. The payment amount depends on your family income and the age of your child.
Payment Rates (As of February 2025)
- Base Rate: $68.46 per fortnight per child
- Maximum Rate (varies by age and income):
- Child aged 0-12 years → Up to $204.50 per fortnight
- Child aged 13-15 years → Up to $267.10 per fortnight
- Child aged 16-19 years (if studying full-time) → Up to $267.10 per fortnight
Income Test for FTB Part A
- Families earning under $59,000 per year receive the full payment.
- Payments gradually reduce for incomes above $59,000.
- Payments stop entirely if the family’s income exceeds the threshold.
FTB Part B: Payment Rates & Income Test
What is FTB Part B?
FTB Part B offers extra financial help to: ✔ Single parents ✔ Families with one primary income (where one parent stays home or works reduced hours)
Payment Rates (As of February 2025)
- Youngest child under 5 years → Up to $4,923.85 per year
- Youngest child aged 5-13 years → Up to $3,434.65 per year
- Single parents or grandparent carers (youngest child under 18) → Up to $3,434.65 per year
Income Test for FTB Part B
- Single parents – No income test applies.
- Couples (where one parent is the primary earner):
- Payments reduce if the main earner earns over $100,900 per year.
- Payments stop if the main earner earns above $110,900 per year.
Eligibility Criteria for Family Tax Benefits
Residency Requirements
- You and your child must be Australian residents or hold a qualifying visa.
Care of a Dependent Child
- FTB Part A → Available for children under 19 years who attend school full-time.
- FTB Part B → Designed for single parents or one-income families.
Income Limits & Additional Requirements
- Higher incomes may reduce or eliminate FTB payments.
- Children must be up-to-date on immunizations to qualify for FTB Part A.
How to Apply for Family Tax Benefits in 2025
Step-by-Step Application Process
- Check Your Eligibility
- Use the FTB Calculator on myGov to estimate your payment.
- Prepare Required Documents
- Proof of identity (passport, driver’s license)
- Tax File Number (TFN)
- Birth certificates & school enrollment records for children
- Submit Your Application
- Apply online through myGov (linked to Centrelink)
- Visit a Services Australia office for in-person applications
- Wait for Assessment & Approval
- Processing usually takes 28 days.
- Payments start from the date of approval.
Frequently Asked Questions (FAQs)
Q1: How often are Family Tax Benefit payments made?
Payments are fortnightly, but families can opt for a lump sum at tax time.
Q2: Can I backdate my FTB claim?
Yes, you can claim FTB up to one year after the financial year ends.
Q3: What if my income changes during the year?
If your income increases, your FTB may be reduced. If your income decreases, you may qualify for higher payments.
Q4: Do I need to update my income details annually?
Yes! Families must report income every year to avoid overpayments, which may need to be repaid.
Q5: Can I receive FTB if I’m on Paid Parental Leave?
No, you cannot receive both FTB and Paid Parental Leave simultaneously. You must choose one.
Q6: What happens if I don’t meet the immunization requirements?
Children must be up-to-date with immunizations to receive FTB Part A payments. Otherwise, payments may be delayed or denied.
Q7: Can grandparents or non-parent carers claim FTB?
Yes! Grandparents and legal guardians can claim FTB if they are the primary carers of the child.
Q8: Can I claim FTB while working part-time?
Yes! FTB is income-based, so even part-time workers can qualify, depending on household earnings.
Final Thoughts: Make the Most of Family Tax Benefits
The Centrelink Family Tax Benefit provides crucial financial assistance for Australian families raising children. By understanding the payment structure, income thresholds, and eligibility requirements, families can maximize their benefits and reduce financial stress. Make sure to apply through myGov, keep your income details updated, and meet immunization requirements to receive full payments.
For the most up-to-date information, visit Services Australia or use the online calculator to estimate your benefits. Don’t miss out on the financial support your family may be entitled to!