What will our baby's first year cost?

Tap your plans. You get the first-year cost month by month, what to have ready before the birth, and what to save each month until the due date. Your answers stay on this device.

Due date

Birth bill you expect to pay

Extra insurance per month

Childcare per month

first year

a month after the start

before the birth

Plan it on paper

The First-Year Baby Budget Planner (printable PDF) has cost ranges for each item, a savings goal tracker, a monthly baby budget and a hospital bill checklist so you can check every charge.

See the Baby Budget Planner

Where the numbers come from

Typical US prices in 2026 for a middle-of-the-road budget. Formula about $200 a month; breastfeeding about $20 (pads, bags, bottles). Disposable diapers and wipes about $85 a month; cloth about $400 up front then $25 a month for washing. Solid food from month 6 about $50 a month. Childcare varies the most: about $900 to $2,000 a month for full-time care depending on state and type, so type your own quote. The birth bill depends on your plan; people with insurance often pay close to $3,000 out of pocket, so check your deductible and out-of-pocket maximum. Many plans cover a breast pump for free. Edit any number to match your quotes. A planning estimate, not financial advice.