Baby Cost PlannerMicromedia Digital

What could your baby's first year cost, month by month?

Type in your own prices and your pay, including any leave months. You get a first-year total, a month-by-month table, and the set-aside before the due date that keeps your running balance from going below $0. Everything stays on this device.

Your answer

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What if?

Change it and the answer above updates.

To try leaving a cost out, untick Include on that line in Baby costs below.

Your household now

Month 1 is the due month. Only the month and year are used, so a rough date is fine.

Take-home pay is what lands in your account after tax, for the whole household. Spending is rent, bills, food and everything else you spend now.

Income changes

Enter what your employer and state program tell you. Months with no row here use your normal take-home pay.

Baby costs

Add each cost with your own price. Before the birth is paid once. One-time in a month is paid in the month you choose (for birth costs, ask your insurer for your expected out-of-pocket). Monthly runs from one month to another.

Add from the starter list

Names only. You type in every price.

Start over

Removes everything you've entered from this device. Use Export first if you want a copy.

Baby costs by month

Month by month

Left over is your income, minus current spending, minus baby costs. Balance is the running total, starting at $0 before the birth. Red numbers are below zero.

How to use it (60 seconds)

  1. Tap Load sample data to see a worked example with example prices, or start with your household numbers.
  2. Enter your take-home pay and current spending, any income changes (such as leave months), and your baby costs. The answer updates as you type.
  3. Try the What if box with the sample: move childcare to start in month 7 and the first-year total and the "From month" line change. The set-aside stays the same, because its lowest point comes before childcare starts. Move it to month 1 and the set-aside goes up.
  4. Everything saves on this device automatically. Nothing is sent anywhere. Use Export to keep a backup file, and Import to load it on another device.

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.