Here is the part almost no other guide will give you: the actual sentences, not just the principles. Use them as a starting point and change the words until they sound like you. The rule underneath all of them is the same, honesty sized to what the child can hold, but the size changes a great deal between a three-year-old and a fifteen-year-old.
Toddlers and children under about three do not understand what cancer is, and they do not need to. What they understand is their routine and your presence, and what frightens them is separation and change. Keep it concrete and about their day, expect to say it many times, and expect some regression, like extra clinginess or a return to the crib. That is normal at this age.
Something to try: "Mommy has an owie inside her body called cancer. The doctors are helping me. Some days I will be tired, and Grandma will pick you up from daycare. I love you, and you will always be taken care of."
Preschoolers, about three to five, think in very literal terms, and this is the age of magical thinking, when a child may believe a bad thought or a tantrum caused this. They can also hear a word like "sleep" in ways you do not intend. Keep sentences short, name the feeling, and hit the no-blame point hard. At this age they often ask one question, wander off to play, and come back to the next question an hour later, which is exactly how a preschooler digests something big.
Something to try: "I have a sickness called cancer. It is not like a cold, and you cannot catch it. Nothing you did made this happen. I am going to take strong medicine that might make my hair fall out and make me tired, and a lot of grown-ups are helping me. You can ask me anything."
School-age children, roughly six to eight, can handle the real word and a little more of the how. They worry about what changes for them, and they are old enough to overhear and misread things, so it is better they get the facts from you. Give them a job if they want one, like drawing a picture for the clinic or picking the movie on rest days, because at this age helping is how many kids cope.
Something to try: "I have cancer. It is a serious sickness, and it is in one part of my body. My doctors have a plan to treat it with medicine and maybe surgery. You did not cause it, and you cannot catch it. Some things at home will change for a while, and I will always tell you the truth about what is happening. What questions do you have?"
Preteens, about nine to twelve, are old enough to understand that an illness can be serious and that death is permanent and can happen to anyone, including the people they love (Children's Hospital of Philadelphia). They will want more real information and will notice if you dodge. Be more specific, be honest about uncertainty, and let them help decide who else gets told and what their friends are allowed to know.
Something to try: "I have been diagnosed with cancer. My doctors have told me the type and where it is, and there is a clear plan to treat it over the next several months. I promise to keep you honestly updated as we learn more. It is okay to feel scared or angry, or to have days when you would rather not think about it at all."
Teenagers can usually handle close to the adult version, but the risk with them is not too much information, it is too little. Left with gaps, teens fill them by searching survival statistics at two in the morning, or by going silent to protect you (CancerCare). Give them the real picture and treat them as the near-adult they are.
Something to try: "I want to tell you everything I know, and I will keep telling you as things change. Here is the diagnosis, here is the plan the doctors have laid out, and here is what they have said about what to expect."
Then watch for two things. Some teens hide their fear behind a shrug or a slammed door, and some quietly take on too much, becoming a second parent to younger siblings, which clinicians call parentification. Tell them plainly that their job is still to be a kid, that showing up as themselves helps you more than becoming a caregiver would, and that a shrug on Tuesday and tears on Saturday are both completely normal.