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Budget for new parents: the baby costs, dated and planned
A baby changes the budget twice: once with the upfront costs — gear, furniture, medical — and once with the ongoing line — diapers, formula, childcare. And usually at the same time the income drops for leave. A dated budget plans all three at once.
- One-time costs dated
Gear and furniture purchases on their real dates, before the arrival.
- Ongoing line repeats
Diapers, formula and childcare project forward monthly.
- Leave income gap
See the months of reduced income before they arrive.
- Free core
The planner and calendar are free forever.
The three-layer baby budget
Layer one: one-time costs dated before the due date — gear, furniture, hospital extras. Layer two: the ongoing monthly line — diapers, formula, childcare. Layer three: the leave income gap — reduced income dated across the leave months. The projection shows the whole transition.
Plan before the arrival
- Date the one-time purchases across the pre-baby months.
- Estimate the ongoing monthly line.
- Date the leave income and its gap.
- Fund the gap — savings, sinking fund, or a leave buffer.
Frequently asked questions
How should new parents budget?
Date the one-time baby costs, add the ongoing monthly line, and plan the leave income gap in advance.
How much do babies cost monthly?
It varies widely; the planner works from your real numbers — gear, supplies and childcare.
Is it free?
Yes — the planner and calendar are free forever.
The arrival, financially planned
Free core, one-time Pro, no bank linking.