WorksheetsFirst-year budget

First-year budget

Estimate recurring and setup costs for the first 12 months after birth or placement.

Planning estimates only — clinic and agency quotes override these defaults. Saved only on this device in your browser. Loading saved answers…

Year-one decisions

ChildcareFeedingGear strategyLocation cost bandHousing changeDaycare weekly rate

Daycare months usedHousing delta / month

Income delta / month

Reduced hours as a positive expense

Include college seed (~$75/mo)

Annual total$19,008

Monthly average$1,584

Setup cash at arrival$3,100

Childcare share62%

Flags: childcareDominates