Baby Budget Calculator
Enter your gear, monthly costs, and household income. Get first-year total, monthly savings target, and how much of your paycheck baby will really eat.
$23,120
First-year total
$1,927/mo to cash-fund
Your plan
One-time gear
$2,600
Monthly cost
$1,710
First-year total
$23,120
% of income
28%
Freedom Coach™
First-year baby cost: ~$23,120.
$2,600 in gear up-front, then $1,710/mo — about 28% of your household income.
Premium
Save scenarios (mat leave, back-to-work, second kid), compare childcare paths, and get monthly progress emails.
Unlock PremiumTypical U.S. first-year cost is $12,000–$25,000, driven mostly by childcare. Without childcare, it's closer to $6,000–$10,000.
Childcare — a full-time daycare spot averages $1,000–$2,500/mo. If a parent stays home, replace that line with lost income.
Wipe warmers, changing tables, bottle sterilizers, nursery-specific furniture, most 'newborn' clothes. Focus spend on car seat, crib mattress, and one good stroller.
Yes if you'll have any childcare cost. You can set aside $5,000/yr pre-tax, saving $1,000–$1,800 in taxes depending on bracket.
Aim for 3–6 months' expenses in an emergency fund PLUS at least the one-time gear total. Parental leave gaps sink more new-parent budgets than baby costs themselves.
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