Baby
The Financial Checklist Before Having a Baby
Having a baby costs $12,000-$15,000 in year one alone. Here's the complete financial checklist to prepare -- from insurance to childcare to the will you've been putting off.
Having a Baby
Prepare financially for the most rewarding investment
Free Calculators
Baby Year One Calculator
Month-by-month cost breakdown: birth, gear, diapers, formula/nursing, childcare, insurance changes, income loss during leave. Regional adjustments.
Childcare Decision Matrix
Compare: daycare vs nanny vs family vs one-parent-stays-home. Includes tax credits, schedule flexibility, and true hourly cost analysis.
Parental Leave Runway Calculator
How long can we afford to have [partner] stay home? Models income loss, savings drawdown, and return-to-work timeline.
Baby vs Everything Else
If we have a baby in [month], here's the impact on our house savings / debt payoff / retirement. Shows how baby costs ripple through other goals.
Latest Guides
View all guidesThe Baby Year One Financial Kit
Complete cost breakdown by month, insurance optimization checklist, parental leave planner, 529 starter guide, budget adjustment template
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