I am not all that much help because I did go back after having #2 but my MIL looked after my children for me so I didn't have to factor in daycare. We did pay her but it wasn't much so we were much better off with me working.

I was made redundant after being back less than 6 months though. By that time I was prg with #3 and knew I wouldn't be returning to work with 3 kids at home. I called Centrelink for the first time to see what we were entitled to and was very pleasantly surprised. We aren't all that worse off than when I was at work.

I hope you can work something out, it is so awful when you don't want to go back but feel you have no choice.