Childhood assistance: what changes per cm to help from September 2025

Since the beginning of the school year of 2025, the complement of the free choice of childhood assistance mode (CMG), an essential help paid by CAF or MSA to support families in the payment of a childhood mander, home care or a micro-crèche, enters a new reform phase.

The idea behind this reform is to better direct families, simplify procedures and adapt financial support to the realities of the expenses of the parents. But in fact, Some families could see a drop in their monthly help.

A method of remedied calculation

So far, the amount of cmg depended mainly on the age of the child, on the type of childhood assistance and family resources. From now on, from 1 September, the calculation will be more modulated on the basis of income for the share of the family quotient, with maximum ceilings for certain categories. Concretely, families with revenue superior to the national median could see their care.

Another novelty: the help will be more gradual depending on the income. Where, before, the levels could create significant threshold effects (an increase in small income could lead to a brutal decline in aid), the reform introduces a smooth grid. This means that aid evolves more gradually, but some parents will be mechanically less covered.

What changes for children and domestic guards

Families employing an approved incidence or home care will continue to benefit from the cmgBut with a regulated support ceiling. For a children for children, the CAF will reimburse part of wages and contributions, within the limits of an hourly rate set at around € 6.50. Beyond this amount, the surplus will remain of the parents’ responsibility.

For domestic guards, often more expensive, the reform also provides a ceiling, but the assistance rate could be less than that previously, especially for families with comfortable income.

Micro-Crèches: a new agreement

The micro-crèche, which have so far hosted families through a specific CMG package, are particularly worried. From September, The calculation method will be aligned with that of other childhood assistance methodswith a more severe daily ceiling. Families accustomed to relatively low remains could therefore have to review their budget upwards.

Who will really benefit from the reform?

Public authorities highlight a better equity: modest and intermediate families should benefit from the most suitable help, while wealthy families, who have so far received amounts deemed too high, will see their reduced help.

The idea is to bring the cmg closer to the functioning of the scope of housing aid or the reception service of small children (PAJE).

Anticipate to avoid unpleasant surprises

For parents, the participation is clear: check their situation now on the simulator available on the CAF sites, MSA or Ursf Pajemploi. This tool allows you to anticipate the evolution of the perceived amount and to measure the rest with real dependent people since the beginning of the school year.

In practice, it will be essential to update your income and precisely declare the hours and salaries of the method of assistance in order not to undergo regularization at the end of the year.

The reform of the CMG, which enters into force on 1 September 2025, is destined to be more equitable and progressive, but can weaken some families, in particular those with micro-crèche or domestic guards. If you are worried, only an education: simulate your rights now to avoid an unpleasant surprise on the budget of the back.