How it works: For every £8 you pay into your online childcare account, the government adds £2. Maximum top-up is £500 every 3 months (£2,000 a year) per child. If your child is disabled, the maximum top-up increases to £1,000 every 3 months (£4,000 a year). *Eligibility: Both parents must earn at least £183/week but less than £100k/year.