Calculyn

Baby Cost Calculator

Estimate how much a baby costs in the first year: diapers, formula, childcare, healthcare and gear.

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Results update as you type.

First-year cost

$19,980
Monthly running cost
$1,415
Childcare (year)
$13,200
Healthcare
$1,500
Gear (one-time)
$1,500
  • Childcare66%
  • Diapers & food14%
  • Healthcare8%
  • Gear8%
  • Other5%

Results are estimates for planning and are not financial advice.

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How to calculate baby cost

First year = (monthly costs × 12) + healthcare + one-time gear

Worked example. First-year cost: $19,980.

Example inputs — Diapers & wipes (per month): $90.00; Formula & food (per month): $150; Childcare (per month): $1,100; Healthcare out of pocket (per year): $1,500; Gear: crib, car seat, stroller (one-time): $1,500; Clothes & other (per month): $75.00. Starting values are illustrative.

From George Guju, founder of Calculyn · Educational calculator guidance, not professional advice.

How it works

Childcare is usually the largest cost by far. Enter your local prices — childcare varies from a few hundred to several thousand dollars a month depending on where you live.

Part of these guides

Having a baby →

Assumptions & limitations

  • Results are rounded for display.

Formula and assumptions reviewed October 2026 by the Calculyn team. How we build our calculators

Frequently asked questions

Does this include parental leave?

No. Lost income during unpaid leave can be significant — subtract it from your budget separately.