Baby Cost Planner
See your baby's first year month by month, and your set-aside before the due date.
A baby cost planner that opens on your phone and works offline. Enter your pay, any leave months and your own prices. See the first-year total, a month-by-month table with a running balance, and the set-aside your numbers come to before the due date. Move the childcare start month and the monthly table updates.
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One-time purchase, no subscription. Download link by email. Refund within 14 days if it doesn't help.
An estimate from the prices and income you enter. Not financial, medical or benefits advice. Check leave pay with your employer and state program, and costs with your insurer.
Baby Cost Planner
Example numbers, replace with your own
$6,610
your set-aside before the due date (the lowest point of your running balance, end of month 3)
An estimate from the prices and income you enter. Not financial, medical or benefits advice.
Try it here
This is the demo build with sample numbers. Saving and export are switched off.
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What you get
- One big number: your set-aside before the due date, worked out from your own numbers as the lowest point of your running balance
- Income changes for leave months: enter the pay for any months, so less income and new costs show up together
- Baby costs your way: before the birth, one-time in a month, or monthly from month A to month B, with a 25-item starter list that has no prices in it
- What-if switches: move the childcare start month, leave any cost out, or tick gifted or borrowed, and every result is worked out again as you go
- Month-by-month table, a chart of baby costs, a 12 or 24 month plan, and a one-page print
Who it's for
Expecting and would-be parents who want to see what the first year could cost using their own numbers, including the months with less pay. Opens in any browser on phone or computer, and nothing is sent anywhere.
Questions
Does it need an internet connection or an account?
No. It's a single file that runs in your browser, offline. There's no login, and nothing you type leaves your device.
Does it come with prices for baby items?
No. The starter list has item names only, and you type in your own prices. The sample data has example prices, clearly labeled, so you can see how it works before you replace them.
How is the set-aside worked out?
The running balance starts at $0 before the birth. Costs before the birth come off first, then each month adds your income and takes away your current spending and baby costs. The set-aside is the lowest point that balance reaches, shown as a positive number, or $0 if it never goes below $0. It is arithmetic on your own numbers, not a recommendation.
Does it tell me what leave pay or insurance costs to expect?
No. You enter what your employer, your state program and your insurer tell you. It is an estimate from the prices and income you enter. Not financial, medical or benefits advice.
Will I lose my numbers if I close the page?
No. It saves automatically on this device. Use Export to keep a backup file, and Import to load it on another phone or computer.
Does it work on my phone?
Yes. Each tool is a single file that opens in the browser on any iPhone, Android phone, tablet or computer. There's no app to install.
Where do my numbers go?
Nowhere. Everything you type stays on your own device. The tools work offline and never send your data anywhere.
Is there a subscription?
No. You pay once and keep the file. Fixes to the version you bought are free.
Pay once,
$12
You get the file, free fixes to version 1.0.0, and your money back within 14 days if it doesn't help.
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Read the refund policy